Home > Peoples Bank of East Tennessee > Performance and Condition Ratios
Peoples Bank of East Tennessee, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2015% | 1,658 |
| Cost of funding earning assets | 0.4331% | 4,261 |
| Net interest margin | 4.7684% | 433 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 3.2397% | 789 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.4620% | 1,096 |
| Return on assets (ROA) | 1.4627% | 1,066 |
| Pretax return on assets | 1.7663% | 928 |
| Return on Equity (ROE) | 16.5300% | 1,013 |
| Retained earnings to average equity (ytd only) | 11.8260% | 653 |
| Net charge-offs to loans | 0.0858% | 1,005 |
| Credit loss provision to net charge-offs | 274.7253% | 1,012 |
| Earnings coverage of net charge-offs (x) | 38.0495% | 1,472 |
| Efficiency ratio | 62.9976% | 2,724 |
| Assets per employee ($millions) | 3.6098% | 4,268 |
| Cash dividends to net income (ytd only)* | 28.4426% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 1,291 |
| Loan loss allowance to noncurrent loans | 235.5244% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 1,457 |
| Noncurrent loans to loans | 0.6053% | 1,305 |
| Net loans and leases to total assets | 61.7000% | 2,701 |
| Net loans and leases to deposits | 68.8039% | 2,971 |
| Net loans and leases to core deposits | 72.4441% | 3,162 |
| Total domestic deposits to total assets | 89.6700% | 852 |
| Equity capital to assets | 9.7510% | 2,160 |
| Core capital (leverage) ratio | 11.7739% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $363,920,400 | 2,145 |
| Average earning assets | $337,537,400 | 2,138 |
| Average equity | $32,208,600 | 2,175 |
| Average total loans | $212,016,200 | 2,213 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0528% | 1,726 |
| Cost of funding earning assets | 0.3421% | 4,324 |
| Net interest margin | 4.7107% | 456 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 3.1947% | 824 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4620% | 1,202 |
| Return on assets (ROA) | 1.4629% | 1,183 |
| Pretax return on assets | 1.7813% | 1,034 |
| Return on Equity (ROE) | 16.9500% | 1,084 |
| Retained earnings to average equity (ytd only) | 16.9510% | 395 |
| Net charge-offs to loans | 0.0657% | 1,013 |
| Credit loss provision to net charge-offs | 320.3883% | 846 |
| Earnings coverage of net charge-offs (x) | 50.5922% | 1,308 |
| Efficiency ratio | 62.6986% | 2,639 |
| Assets per employee ($millions) | 3.4921% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 1,254 |
| Loan loss allowance to noncurrent loans | 188.7873% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 1,278 |
| Noncurrent loans to loans | 0.7680% | 1,082 |
| Net loans and leases to total assets | 58.5400% | 2,984 |
| Net loans and leases to deposits | 64.7042% | 3,213 |
| Net loans and leases to core deposits | 67.8398% | 3,337 |
| Total domestic deposits to total assets | 90.4800% | 818 |
| Equity capital to assets | 8.7917% | 2,542 |
| Core capital (leverage) ratio | 11.7180% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $365,558,250 | 2,134 |
| Average earning assets | $339,077,500 | 2,136 |
| Average equity | $31,549,000 | 2,186 |
| Average total loans | $209,099,000 | 2,231 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 1,776 |
| Cost of funding earning assets | 0.2756% | 4,349 |
| Net interest margin | 4.6177% | 510 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 3.1270% | 874 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4179% | 1,288 |
| Return on assets (ROA) | 1.4193% | 1,265 |
| Pretax return on assets | 1.7295% | 1,149 |
| Return on Equity (ROE) | 16.5500% | 1,175 |
| Retained earnings to average equity (ytd only) | 16.5459% | 424 |
| Net charge-offs to loans | 0.0800% | 786 |
| Credit loss provision to net charge-offs | 156.6265% | 1,172 |
| Earnings coverage of net charge-offs (x) | 39.8193% | 1,401 |
| Efficiency ratio | 63.4847% | 2,543 |
| Assets per employee ($millions) | 3.5986% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 1,689 |
| Loan loss allowance to noncurrent loans | 286.9223% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 1,733 |
| Noncurrent loans to loans | 0.4725% | 1,529 |
| Net loans and leases to total assets | 59.0100% | 2,866 |
| Net loans and leases to deposits | 65.2997% | 3,102 |
| Net loans and leases to core deposits | 67.4471% | 3,268 |
| Total domestic deposits to total assets | 90.3600% | 824 |
| Equity capital to assets | 9.0232% | 2,503 |
| Core capital (leverage) ratio | 11.2593% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $367,514,000 | 2,138 |
| Average earning assets | $341,861,000 | 2,129 |
| Average equity | $31,524,333 | 2,199 |
| Average total loans | $207,573,333 | 2,240 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6163% | 2,044 |
| Cost of funding earning assets | 0.2430% | 4,305 |
| Net interest margin | 4.3733% | 720 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 3.0252% | 1,018 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3775% | 1,469 |
| Return on assets (ROA) | 1.3801% | 1,443 |
| Pretax return on assets | 1.6947% | 1,278 |
| Return on Equity (ROE) | 16.5300% | 1,256 |
| Retained earnings to average equity (ytd only) | 16.5322% | 640 |
| Net charge-offs to loans | 0.1237% | 527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 24.9206% | 1,381 |
| Efficiency ratio | 64.1389% | 2,436 |
| Assets per employee ($millions) | 3.8057% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 1,709 |
| Loan loss allowance to noncurrent loans | 258.5635% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 1,645 |
| Noncurrent loans to loans | 0.5326% | 1,392 |
| Net loans and leases to total assets | 53.9200% | 3,205 |
| Net loans and leases to deposits | 59.3596% | 3,377 |
| Net loans and leases to core deposits | 61.2247% | 3,491 |
| Total domestic deposits to total assets | 90.8300% | 852 |
| Equity capital to assets | 8.5840% | 2,825 |
| Core capital (leverage) ratio | 10.6729% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $371,284,000 | 2,150 |
| Average earning assets | $345,731,500 | 2,141 |
| Average equity | $30,994,000 | 2,248 |
| Average total loans | $203,730,500 | 2,279 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 1,269 |
| Cost of funding earning assets | 0.2044% | 3,721 |
| Net interest margin | 3.9845% | 809 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.9785% | 997 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1821% | 1,849 |
| Return on assets (ROA) | 1.1821% | 1,781 |
| Pretax return on assets | 1.4267% | 1,695 |
| Return on Equity (ROE) | 14.2200% | 1,485 |
| Retained earnings to average equity (ytd only) | 13.3768% | 462 |
| Net charge-offs to loans | 0.0675% | 973 |
| Credit loss provision to net charge-offs | 321.9697% | 882 |
| Earnings coverage of net charge-offs (x) | 43.1212% | 1,460 |
| Efficiency ratio | 65.8917% | 2,242 |
| Assets per employee ($millions) | 3.8501% | 4,333 |
| Cash dividends to net income (ytd only)* | 5.9578% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,406 |
| Loan loss allowance to noncurrent loans | 218.1004% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 1,602 |
| Noncurrent loans to loans | 0.5483% | 1,349 |
| Net loans and leases to total assets | 54.4200% | 3,160 |
| Net loans and leases to deposits | 59.4943% | 3,363 |
| Net loans and leases to core deposits | 61.4147% | 3,427 |
| Total domestic deposits to total assets | 91.4600% | 789 |
| Equity capital to assets | 8.1095% | 2,988 |
| Core capital (leverage) ratio | 10.3354% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $369,173,400 | 2,146 |
| Average earning assets | $345,412,800 | 2,129 |
| Average equity | $30,680,000 | 2,307 |
| Average total loans | $195,630,600 | 2,270 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 1,112 |
| Cost of funding earning assets | 0.2051% | 3,211 |
| Net interest margin | 3.8695% | 848 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 2.9064% | 1,039 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1900% | 1,739 |
| Return on assets (ROA) | 1.1900% | 1,713 |
| Pretax return on assets | 1.4436% | 1,587 |
| Return on Equity (ROE) | 14.2300% | 1,367 |
| Retained earnings to average equity (ytd only) | 14.2332% | 437 |
| Net charge-offs to loans | 0.0702% | 803 |
| Credit loss provision to net charge-offs | 269.6078% | 864 |
| Earnings coverage of net charge-offs (x) | 41.8725% | 1,370 |
| Efficiency ratio | 65.3215% | 2,366 |
| Assets per employee ($millions) | 3.8774% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 2,684 |
| Loan loss allowance to noncurrent loans | 207.7199% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 1,708 |
| Noncurrent loans to loans | 0.5642% | 1,419 |
| Net loans and leases to total assets | 51.8800% | 3,287 |
| Net loans and leases to deposits | 56.3058% | 3,453 |
| Net loans and leases to core deposits | 58.0050% | 3,501 |
| Total domestic deposits to total assets | 92.1400% | 837 |
| Equity capital to assets | 7.3026% | 3,335 |
| Core capital (leverage) ratio | 9.9078% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $369,065,500 | 2,160 |
| Average earning assets | $345,845,250 | 2,142 |
| Average equity | $30,856,750 | 2,331 |
| Average total loans | $193,649,500 | 2,276 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 783 |
| Cost of funding earning assets | 0.2074% | 2,819 |
| Net interest margin | 3.8811% | 633 |
| Noninterest income to average assets | 0.8792% | 881 |
| Noninterest expense to average assets | 2.9532% | 906 |
| Loan and lease loss provision to assets | 0.0954% | 1,041 |
| Net operating income to assets | 1.2146% | 1,384 |
| Return on assets (ROA) | 1.2146% | 1,371 |
| Pretax return on assets | 1.4747% | 1,237 |
| Return on Equity (ROE) | 13.9244% | 1,131 |
| Retained earnings to average equity (ytd only) | 13.9244% | 367 |
| Net charge-offs to loans | 0.0489% | 906 |
| Credit loss provision to net charge-offs | 372.3404% | 720 |
| Earnings coverage of net charge-offs (x) | 61.2553% | 1,071 |
| Efficiency ratio | 65.2882% | 2,608 |
| Assets per employee ($millions) | 3.8350% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,737 |
| Loan loss allowance to noncurrent loans | 155.1984% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 1,384 |
| Noncurrent loans to loans | 0.7671% | 1,120 |
| Net loans and leases to total assets | 50.6238% | 3,310 |
| Net loans and leases to deposits | 55.2254% | 3,446 |
| Net loans and leases to core deposits | 57.0578% | 3,487 |
| Total domestic deposits to total assets | 91.6676% | 979 |
| Equity capital to assets | 7.8891% | 3,209 |
| Core capital (leverage) ratio | 9.8162% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,716,667 | 2,172 |
| Average earning assets | $344,331,667 | 2,166 |
| Average equity | $31,987,000 | 2,313 |
| Average total loans | $192,383,333 | 2,284 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 294 |
| Cost of funding earning assets | 0.2039% | 2,745 |
| Net interest margin | 4.3252% | 227 |
| Noninterest income to average assets | 0.7702% | 1,116 |
| Noninterest expense to average assets | 2.9027% | 952 |
| Loan and lease loss provision to assets | 0.0824% | 997 |
| Net operating income to assets | 1.5107% | 618 |
| Return on assets (ROA) | 1.5107% | 606 |
| Pretax return on assets | 1.8644% | 478 |
| Return on Equity (ROE) | 16.5130% | 480 |
| Retained earnings to average equity (ytd only) | 16.5130% | 207 |
| Net charge-offs to loans | 0.0455% | 834 |
| Credit loss provision to net charge-offs | 340.9091% | 629 |
| Earnings coverage of net charge-offs (x) | 80.5455% | 744 |
| Efficiency ratio | 59.8550% | 3,497 |
| Assets per employee ($millions) | 3.6482% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 3,075 |
| Loan loss allowance to noncurrent loans | 128.1542% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 1,183 |
| Noncurrent loans to loans | 0.9019% | 1,024 |
| Net loans and leases to total assets | 50.9234% | 3,077 |
| Net loans and leases to deposits | 56.2646% | 3,244 |
| Net loans and leases to core deposits | 58.1683% | 3,293 |
| Total domestic deposits to total assets | 90.5070% | 1,295 |
| Equity capital to assets | 8.6653% | 3,013 |
| Core capital (leverage) ratio | 9.6401% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,078,500 | 2,187 |
| Average earning assets | $343,384,500 | 2,173 |
| Average equity | $33,307,000 | 2,316 |
| Average total loans | $193,282,000 | 2,277 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 256 |
| Cost of funding earning assets | 0.2398% | 3,046 |
| Net interest margin | 4.7817% | 182 |
| Noninterest income to average assets | 0.7831% | 1,497 |
| Noninterest expense to average assets | 3.0573% | 905 |
| Loan and lease loss provision to assets | 0.1414% | 850 |
| Net operating income to assets | 1.6576% | 696 |
| Return on assets (ROA) | 1.6950% | 662 |
| Pretax return on assets | 2.0940% | 502 |
| Return on Equity (ROE) | 17.4006% | 531 |
| Retained earnings to average equity (ytd only) | 17.4006% | 109 |
| Net charge-offs to loans | 0.1462% | 648 |
| Credit loss provision to net charge-offs | 157.5342% | 1,461 |
| Earnings coverage of net charge-offs (x) | 24.3870% | 1,747 |
| Efficiency ratio | 58.0135% | 3,445 |
| Assets per employee ($millions) | 3.6332% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,404 |
| Loan loss allowance to noncurrent loans | 124.4767% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 1,238 |
| Noncurrent loans to loans | 0.8743% | 1,164 |
| Net loans and leases to total assets | 54.1002% | 2,840 |
| Net loans and leases to deposits | 60.4850% | 3,034 |
| Net loans and leases to core deposits | 62.5968% | 3,107 |
| Total domestic deposits to total assets | 89.4441% | 1,269 |
| Equity capital to assets | 9.6431% | 3,001 |
| Core capital (leverage) ratio | 9.4941% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,257,400 | 2,318 |
| Average earning assets | $303,617,200 | 2,316 |
| Average equity | $31,682,800 | 2,438 |
| Average total loans | $199,685,600 | 2,237 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 770 |
| Cost of funding earning assets | 0.2452% | 3,163 |
| Net interest margin | 4.1872% | 558 |
| Noninterest income to average assets | 0.7680% | 1,623 |
| Noninterest expense to average assets | 2.9984% | 976 |
| Loan and lease loss provision to assets | 0.1178% | 1,010 |
| Net operating income to assets | 1.2125% | 2,127 |
| Return on assets (ROA) | 1.2623% | 2,005 |
| Pretax return on assets | 1.6123% | 1,659 |
| Return on Equity (ROE) | 12.9225% | 1,716 |
| Retained earnings to average equity (ytd only) | 12.9225% | 654 |
| Net charge-offs to loans | 0.1750% | 494 |
| Credit loss provision to net charge-offs | 106.4639% | 1,539 |
| Earnings coverage of net charge-offs (x) | 15.0532% | 1,875 |
| Efficiency ratio | 63.8718% | 2,404 |
| Assets per employee ($millions) | 3.5865% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 4,065 |
| Loan loss allowance to noncurrent loans | 90.3314% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 1,015 |
| Noncurrent loans to loans | 1.0310% | 1,104 |
| Net loans and leases to total assets | 60.8519% | 2,153 |
| Net loans and leases to deposits | 68.7017% | 2,370 |
| Net loans and leases to core deposits | 71.0423% | 2,509 |
| Total domestic deposits to total assets | 88.5742% | 1,527 |
| Equity capital to assets | 9.3211% | 3,537 |
| Core capital (leverage) ratio | 9.3199% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,650,250 | 2,384 |
| Average earning assets | $294,734,250 | 2,383 |
| Average equity | $30,932,250 | 2,502 |
| Average total loans | $200,424,000 | 2,269 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 1,080 |
| Cost of funding earning assets | 0.2517% | 3,266 |
| Net interest margin | 4.0055% | 809 |
| Noninterest income to average assets | 0.7027% | 1,798 |
| Noninterest expense to average assets | 2.9291% | 1,105 |
| Loan and lease loss provision to assets | 0.1665% | 703 |
| Net operating income to assets | 1.0403% | 2,756 |
| Return on assets (ROA) | 1.0991% | 2,619 |
| Pretax return on assets | 1.3917% | 2,364 |
| Return on Equity (ROE) | 11.0600% | 2,405 |
| Retained earnings to average equity (ytd only) | 11.0600% | 1,110 |
| Net charge-offs to loans | 0.2786% | 314 |
| Credit loss provision to net charge-offs | 93.4066% | 1,422 |
| Earnings coverage of net charge-offs (x) | 8.3223% | 1,886 |
| Efficiency ratio | 65.9464% | 2,161 |
| Assets per employee ($millions) | 3.5794% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 4,139 |
| Loan loss allowance to noncurrent loans | 95.7864% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 1,057 |
| Noncurrent loans to loans | 0.9461% | 1,306 |
| Net loans and leases to total assets | 65.6290% | 1,737 |
| Net loans and leases to deposits | 74.2871% | 1,974 |
| Net loans and leases to core deposits | 76.6896% | 2,170 |
| Total domestic deposits to total assets | 88.3451% | 1,647 |
| Equity capital to assets | 9.5912% | 3,258 |
| Core capital (leverage) ratio | 9.5140% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,238,000 | 2,423 |
| Average earning assets | $283,661,333 | 2,428 |
| Average equity | $30,434,000 | 2,515 |
| Average total loans | $196,003,333 | 2,305 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 1,138 |
| Cost of funding earning assets | 0.2580% | 3,399 |
| Net interest margin | 3.9777% | 872 |
| Noninterest income to average assets | 0.7447% | 1,732 |
| Noninterest expense to average assets | 2.9802% | 1,030 |
| Loan and lease loss provision to assets | 0.0742% | 1,699 |
| Net operating income to assets | 1.0732% | 2,558 |
| Return on assets (ROA) | 1.0860% | 2,597 |
| Pretax return on assets | 1.3882% | 2,311 |
| Return on Equity (ROE) | 10.7224% | 2,447 |
| Retained earnings to average equity (ytd only) | 10.7224% | 1,466 |
| Net charge-offs to loans | 0.2450% | 343 |
| Credit loss provision to net charge-offs | 48.2456% | 1,318 |
| Earnings coverage of net charge-offs (x) | 9.4035% | 1,541 |
| Efficiency ratio | 66.8699% | 2,101 |
| Assets per employee ($millions) | 3.2874% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,852 |
| Loan loss allowance to noncurrent loans | 89.9859% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 782 |
| Noncurrent loans to loans | 1.1068% | 1,209 |
| Net loans and leases to total assets | 62.2352% | 2,264 |
| Net loans and leases to deposits | 70.1002% | 2,494 |
| Net loans and leases to core deposits | 72.5624% | 2,653 |
| Total domestic deposits to total assets | 88.7804% | 1,448 |
| Equity capital to assets | 9.8700% | 2,826 |
| Core capital (leverage) ratio | 9.9437% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,494,500 | 2,457 |
| Average earning assets | $274,428,000 | 2,462 |
| Average equity | $30,030,500 | 2,540 |
| Average total loans | $186,142,500 | 2,390 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 835 |
| Cost of funding earning assets | 0.3065% | 4,103 |
| Net interest margin | 4.4270% | 378 |
| Noninterest income to average assets | 0.8492% | 1,398 |
| Noninterest expense to average assets | 3.3361% | 862 |
| Loan and lease loss provision to assets | 0.2057% | 1,913 |
| Net operating income to assets | 1.1677% | 1,656 |
| Return on assets (ROA) | 1.1677% | 1,774 |
| Pretax return on assets | 1.4125% | 1,619 |
| Return on Equity (ROE) | 10.7550% | 1,720 |
| Retained earnings to average equity (ytd only) | 10.3955% | 514 |
| Net charge-offs to loans | 0.1673% | 992 |
| Credit loss provision to net charge-offs | 179.2517% | 2,270 |
| Earnings coverage of net charge-offs (x) | 14.0986% | 2,237 |
| Efficiency ratio | 66.8716% | 2,378 |
| Assets per employee ($millions) | 3.2644% | 4,733 |
| Cash dividends to net income (ytd only)* | 3.3434% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,483 |
| Loan loss allowance to noncurrent loans | 95.1761% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 810 |
| Noncurrent loans to loans | 1.1510% | 1,234 |
| Net loans and leases to total assets | 62.0089% | 2,614 |
| Net loans and leases to deposits | 70.4991% | 2,828 |
| Net loans and leases to core deposits | 73.0310% | 2,999 |
| Total domestic deposits to total assets | 87.9571% | 1,492 |
| Equity capital to assets | 10.4036% | 2,752 |
| Core capital (leverage) ratio | 10.0881% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,137,000 | 2,537 |
| Average earning assets | $237,522,400 | 2,541 |
| Average equity | $27,810,200 | 2,613 |
| Average total loans | $175,709,800 | 2,439 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 841 |
| Cost of funding earning assets | 0.3171% | 4,233 |
| Net interest margin | 4.5118% | 364 |
| Noninterest income to average assets | 0.8718% | 1,307 |
| Noninterest expense to average assets | 3.3317% | 862 |
| Loan and lease loss provision to assets | 0.1945% | 2,032 |
| Net operating income to assets | 1.2525% | 1,473 |
| Return on assets (ROA) | 1.2525% | 1,591 |
| Pretax return on assets | 1.5236% | 1,397 |
| Return on Equity (ROE) | 11.3978% | 1,562 |
| Retained earnings to average equity (ytd only) | 10.9092% | 595 |
| Net charge-offs to loans | 0.1901% | 790 |
| Credit loss provision to net charge-offs | 145.3815% | 2,352 |
| Earnings coverage of net charge-offs (x) | 12.8514% | 2,227 |
| Efficiency ratio | 65.5114% | 2,523 |
| Assets per employee ($millions) | 3.0384% | 4,832 |
| Cash dividends to net income (ytd only)* | 4.2863% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,665 |
| Loan loss allowance to noncurrent loans | 89.6902% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 869 |
| Noncurrent loans to loans | 1.1263% | 1,345 |
| Net loans and leases to total assets | 66.4014% | 2,464 |
| Net loans and leases to deposits | 75.8210% | 2,766 |
| Net loans and leases to core deposits | 78.5846% | 2,958 |
| Total domestic deposits to total assets | 87.5765% | 1,407 |
| Equity capital to assets | 10.6203% | 2,689 |
| Core capital (leverage) ratio | 10.4689% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,355,000 | 2,576 |
| Average earning assets | $229,971,250 | 2,581 |
| Average equity | $27,291,250 | 2,640 |
| Average total loans | $174,611,500 | 2,447 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9945% | 831 |
| Cost of funding earning assets | 0.3297% | 4,365 |
| Net interest margin | 4.6649% | 365 |
| Noninterest income to average assets | 0.8825% | 1,212 |
| Noninterest expense to average assets | 3.3935% | 861 |
| Loan and lease loss provision to assets | 0.2117% | 1,957 |
| Net operating income to assets | 1.3092% | 1,333 |
| Return on assets (ROA) | 1.3092% | 1,441 |
| Pretax return on assets | 1.5934% | 1,242 |
| Return on Equity (ROE) | 11.7644% | 1,398 |
| Retained earnings to average equity (ytd only) | 11.7644% | 488 |
| Net charge-offs to loans | 0.2435% | 644 |
| Credit loss provision to net charge-offs | 121.5311% | 2,273 |
| Earnings coverage of net charge-offs (x) | 10.3636% | 2,160 |
| Efficiency ratio | 64.8124% | 2,691 |
| Assets per employee ($millions) | 2.9941% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,599 |
| Loan loss allowance to noncurrent loans | 84.6373% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.2039% | 911 |
| Noncurrent loans to loans | 1.1763% | 1,330 |
| Net loans and leases to total assets | 68.1422% | 2,326 |
| Net loans and leases to deposits | 77.5679% | 2,705 |
| Net loans and leases to core deposits | 80.4723% | 2,908 |
| Total domestic deposits to total assets | 87.8485% | 1,261 |
| Equity capital to assets | 10.8716% | 2,446 |
| Core capital (leverage) ratio | 10.8115% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,987,333 | 2,608 |
| Average earning assets | $222,043,333 | 2,613 |
| Average equity | $26,707,667 | 2,672 |
| Average total loans | $171,671,000 | 2,455 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 538 |
| Cost of funding earning assets | 0.3441% | 4,537 |
| Net interest margin | 4.9709% | 205 |
| Noninterest income to average assets | 1.0203% | 819 |
| Noninterest expense to average assets | 3.5850% | 825 |
| Loan and lease loss provision to assets | 0.2786% | 1,119 |
| Net operating income to assets | 1.4190% | 946 |
| Return on assets (ROA) | 1.4190% | 1,015 |
| Pretax return on assets | 1.7341% | 812 |
| Return on Equity (ROE) | 12.5859% | 962 |
| Retained earnings to average equity (ytd only) | 12.5859% | 363 |
| Net charge-offs to loans | 0.4766% | 306 |
| Credit loss provision to net charge-offs | 80.0000% | 1,934 |
| Earnings coverage of net charge-offs (x) | 5.7800% | 2,030 |
| Efficiency ratio | 63.5770% | 3,296 |
| Assets per employee ($millions) | 2.6365% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,693 |
| Loan loss allowance to noncurrent loans | 92.6431% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 1,048 |
| Noncurrent loans to loans | 1.0820% | 1,536 |
| Net loans and leases to total assets | 71.5546% | 1,989 |
| Net loans and leases to deposits | 81.3174% | 2,543 |
| Net loans and leases to core deposits | 84.3829% | 2,818 |
| Total domestic deposits to total assets | 87.9943% | 1,109 |
| Equity capital to assets | 10.9731% | 2,879 |
| Core capital (leverage) ratio | 11.5119% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,738,000 | 2,633 |
| Average earning assets | $211,552,000 | 2,650 |
| Average equity | $25,902,000 | 2,715 |
| Average total loans | $167,863,500 | 2,469 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3657% | 716 |
| Cost of funding earning assets | 0.3448% | 4,611 |
| Net interest margin | 5.0209% | 257 |
| Noninterest income to average assets | 1.0402% | 888 |
| Noninterest expense to average assets | 3.8987% | 600 |
| Loan and lease loss provision to assets | 0.1921% | 1,067 |
| Net operating income to assets | 1.2582% | 1,839 |
| Return on assets (ROA) | 1.2708% | 1,882 |
| Pretax return on assets | 1.5461% | 1,670 |
| Return on Equity (ROE) | 11.1574% | 1,823 |
| Retained earnings to average equity (ytd only) | 5.8982% | 1,924 |
| Net charge-offs to loans | 0.0607% | 2,236 |
| Credit loss provision to net charge-offs | 433.6735% | 660 |
| Earnings coverage of net charge-offs (x) | 38.8878% | 1,340 |
| Efficiency ratio | 68.8782% | 2,330 |
| Assets per employee ($millions) | 2.6143% | 4,965 |
| Cash dividends to net income (ytd only)* | 47.1363% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,232 |
| Loan loss allowance to noncurrent loans | 117.4089% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.3539% | 791 |
| Noncurrent loans to loans | 0.8921% | 1,723 |
| Net loans and leases to total assets | 73.1161% | 1,904 |
| Net loans and leases to deposits | 83.6077% | 2,368 |
| Net loans and leases to core deposits | 86.8458% | 2,724 |
| Total domestic deposits to total assets | 87.4514% | 1,387 |
| Equity capital to assets | 11.5892% | 2,443 |
| Core capital (leverage) ratio | 11.2035% | 2,334 |
| Tier 1 risk-based capital ratio | 15.8980% | 2,444 |
| Total risk-based capital ratio | 16.9876% | 2,427 |
| Memoranda: | ||
| Average total assets | $221,203,600 | 2,648 |
| Average earning assets | $201,837,800 | 2,695 |
| Average equity | $25,194,000 | 2,705 |
| Average total loans | $161,523,000 | 2,494 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3171% | 833 |
| Cost of funding earning assets | 0.3437% | 4,680 |
| Net interest margin | 4.9734% | 306 |
| Noninterest income to average assets | 0.9429% | 1,056 |
| Noninterest expense to average assets | 3.8208% | 638 |
| Loan and lease loss provision to assets | 0.1628% | 1,147 |
| Net operating income to assets | 1.2266% | 2,105 |
| Return on assets (ROA) | 1.2365% | 2,149 |
| Pretax return on assets | 1.4991% | 1,958 |
| Return on Equity (ROE) | 10.9051% | 2,056 |
| Retained earnings to average equity (ytd only) | 7.9693% | 1,407 |
| Net charge-offs to loans | 0.0574% | 2,010 |
| Credit loss provision to net charge-offs | 389.8551% | 780 |
| Earnings coverage of net charge-offs (x) | 39.5063% | 1,384 |
| Efficiency ratio | 69.3550% | 2,211 |
| Assets per employee ($millions) | 2.6850% | 5,015 |
| Cash dividends to net income (ytd only)* | 26.9214% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 3,657 |
| Loan loss allowance to noncurrent loans | 158.7598% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 1.3206% | 905 |
| Noncurrent loans to loans | 0.6206% | 2,420 |
| Net loans and leases to total assets | 71.0268% | 2,318 |
| Net loans and leases to deposits | 81.0288% | 2,799 |
| Net loans and leases to core deposits | 84.1272% | 3,082 |
| Total domestic deposits to total assets | 87.6562% | 1,186 |
| Equity capital to assets | 11.4714% | 2,678 |
| Core capital (leverage) ratio | 11.3954% | 2,305 |
| Tier 1 risk-based capital ratio | 15.7068% | 2,555 |
| Total risk-based capital ratio | 16.7050% | 2,591 |
| Memoranda: | ||
| Average total assets | $220,297,000 | 2,680 |
| Average earning assets | $200,555,500 | 2,728 |
| Average equity | $24,978,500 | 2,734 |
| Average total loans | $160,372,000 | 2,533 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3164% | 789 |
| Cost of funding earning assets | 0.3494% | 4,677 |
| Net interest margin | 4.9670% | 306 |
| Noninterest income to average assets | 0.9308% | 1,001 |
| Noninterest expense to average assets | 3.8364% | 641 |
| Loan and lease loss provision to assets | 0.1323% | 1,413 |
| Net operating income to assets | 1.2129% | 2,100 |
| Return on assets (ROA) | 1.2129% | 2,162 |
| Pretax return on assets | 1.4693% | 1,956 |
| Return on Equity (ROE) | 10.7415% | 2,079 |
| Retained earnings to average equity (ytd only) | 7.2830% | 1,692 |
| Net charge-offs to loans | 0.0666% | 1,705 |
| Credit loss provision to net charge-offs | 271.6981% | 959 |
| Earnings coverage of net charge-offs (x) | 32.8868% | 1,396 |
| Efficiency ratio | 70.0575% | 2,218 |
| Assets per employee ($millions) | 2.6164% | 5,089 |
| Cash dividends to net income (ytd only)* | 32.1970% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 3,969 |
| Loan loss allowance to noncurrent loans | 173.0725% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 1.4214% | 821 |
| Noncurrent loans to loans | 0.5361% | 2,669 |
| Net loans and leases to total assets | 73.0707% | 2,045 |
| Net loans and leases to deposits | 83.4580% | 2,550 |
| Net loans and leases to core deposits | 87.0702% | 2,880 |
| Total domestic deposits to total assets | 87.5539% | 1,312 |
| Equity capital to assets | 11.5962% | 2,525 |
| Core capital (leverage) ratio | 11.3460% | 2,299 |
| Tier 1 risk-based capital ratio | 15.9950% | 2,414 |
| Total risk-based capital ratio | 16.9663% | 2,477 |
| Memoranda: | ||
| Average total assets | $217,653,330 | 2,714 |
| Average earning assets | $197,501,670 | 2,762 |
| Average equity | $24,577,670 | 2,761 |
| Average total loans | $159,257,330 | 2,546 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 750 |
| Cost of funding earning assets | 0.3617% | 4,636 |
| Net interest margin | 4.9435% | 311 |
| Noninterest income to average assets | 0.8883% | 1,069 |
| Noninterest expense to average assets | 3.8340% | 634 |
| Loan and lease loss provision to assets | 0.0813% | 2,076 |
| Net operating income to assets | 1.2023% | 2,047 |
| Return on assets (ROA) | 1.2023% | 2,098 |
| Pretax return on assets | 1.4405% | 1,961 |
| Return on Equity (ROE) | 10.7945% | 2,027 |
| Retained earnings to average equity (ytd only) | 8.7218% | 1,410 |
| Net charge-offs to loans | 0.0431% | 1,656 |
| Credit loss provision to net charge-offs | 258.8235% | 904 |
| Earnings coverage of net charge-offs (x) | 48.4706% | 1,049 |
| Efficiency ratio | 71.0690% | 2,174 |
| Assets per employee ($millions) | 2.5560% | 5,170 |
| Cash dividends to net income (ytd only)* | 19.2012% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,115 |
| Loan loss allowance to noncurrent loans | 147.0889% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 1.5801% | 734 |
| Noncurrent loans to loans | 0.6175% | 2,477 |
| Net loans and leases to total assets | 72.3083% | 2,102 |
| Net loans and leases to deposits | 82.3127% | 2,581 |
| Net loans and leases to core deposits | 86.0853% | 2,863 |
| Total domestic deposits to total assets | 87.8459% | 1,420 |
| Equity capital to assets | 11.3546% | 2,522 |
| Core capital (leverage) ratio | 11.2809% | 2,311 |
| Tier 1 risk-based capital ratio | 16.1216% | 2,382 |
| Total risk-based capital ratio | 17.0737% | 2,451 |
| Memoranda: | ||
| Average total assets | $216,590,500 | 2,749 |
| Average earning assets | $195,731,000 | 2,801 |
| Average equity | $24,123,500 | 2,797 |
| Average total loans | $157,837,000 | 2,587 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 837 |
| Cost of funding earning assets | 0.2988% | 4,575 |
| Net interest margin | 4.8054% | 395 |
| Noninterest income to average assets | 0.8487% | 1,312 |
| Noninterest expense to average assets | 3.7847% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1487% | 2,392 |
| Return on assets (ROA) | 1.1160% | 2,531 |
| Pretax return on assets | 1.3600% | 2,273 |
| Return on Equity (ROE) | 9.6994% | 2,642 |
| Retained earnings to average equity (ytd only) | -2.1825% | 5,135 |
| Net charge-offs to loans | 0.0552% | 2,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 35.5301% | 1,434 |
| Efficiency ratio | 72.4593% | 1,846 |
| Assets per employee ($millions) | 2.5402% | 5,194 |
| Cash dividends to net income (ytd only)* | 122.5011% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,165 |
| Loan loss allowance to noncurrent loans | 244.0415% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 1.4663% | 805 |
| Noncurrent loans to loans | 0.3685% | 3,218 |
| Net loans and leases to total assets | 72.1208% | 2,241 |
| Net loans and leases to deposits | 81.6087% | 2,783 |
| Net loans and leases to core deposits | 85.3292% | 2,970 |
| Total domestic deposits to total assets | 88.3740% | 1,127 |
| Equity capital to assets | 10.9197% | 2,770 |
| Core capital (leverage) ratio | 11.0943% | 2,444 |
| Tier 1 risk-based capital ratio | 15.9246% | 2,432 |
| Total risk-based capital ratio | 16.8684% | 2,488 |
| Memoranda: | ||
| Average total assets | $210,662,800 | 2,759 |
| Average earning assets | $190,078,400 | 2,829 |
| Average equity | $24,238,600 | 2,704 |
| Average total loans | $150,310,200 | 2,636 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 955 |
| Cost of funding earning assets | 0.2874% | 4,603 |
| Net interest margin | 4.7049% | 474 |
| Noninterest income to average assets | 0.8420% | 1,352 |
| Noninterest expense to average assets | 3.8538% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0416% | 2,910 |
| Return on assets (ROA) | 1.0432% | 2,912 |
| Pretax return on assets | 1.2438% | 2,836 |
| Return on Equity (ROE) | 8.9492% | 3,111 |
| Retained earnings to average equity (ytd only) | 5.1794% | 3,128 |
| Net charge-offs to loans | 0.0511% | 2,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 34.2097% | 1,493 |
| Efficiency ratio | 75.0781% | 1,451 |
| Assets per employee ($millions) | 2.5654% | 5,267 |
| Cash dividends to net income (ytd only)* | 42.1246% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 4,080 |
| Loan loss allowance to noncurrent loans | 144.7686% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.8080% | 641 |
| Noncurrent loans to loans | 0.6502% | 2,463 |
| Net loans and leases to total assets | 70.2801% | 2,601 |
| Net loans and leases to deposits | 80.1003% | 3,033 |
| Net loans and leases to core deposits | 84.0048% | 3,154 |
| Total domestic deposits to total assets | 87.7401% | 1,365 |
| Equity capital to assets | 11.4793% | 2,273 |
| Core capital (leverage) ratio | 12.0545% | 1,755 |
| Tier 1 risk-based capital ratio | 17.4022% | 1,962 |
| Total risk-based capital ratio | 18.3918% | 1,990 |
| Memoranda: | ||
| Average total assets | $209,348,250 | 2,797 |
| Average earning assets | $189,271,750 | 2,857 |
| Average equity | $24,403,750 | 2,701 |
| Average total loans | $148,603,500 | 2,677 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9046% | 1,013 |
| Cost of funding earning assets | 0.2716% | 4,623 |
| Net interest margin | 4.6330% | 512 |
| Noninterest income to average assets | 0.7718% | 1,561 |
| Noninterest expense to average assets | 3.8041% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9662% | 3,159 |
| Return on assets (ROA) | 0.9686% | 3,151 |
| Pretax return on assets | 1.1500% | 3,133 |
| Return on Equity (ROE) | 8.2659% | 3,380 |
| Retained earnings to average equity (ytd only) | 2.5851% | 4,222 |
| Net charge-offs to loans | 0.0476% | 1,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 33.9714% | 1,409 |
| Efficiency ratio | 76.2666% | 1,396 |
| Assets per employee ($millions) | 2.5503% | 5,321 |
| Cash dividends to net income (ytd only)* | 68.7251% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 3,961 |
| Loan loss allowance to noncurrent loans | 151.2422% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 2.0720% | 503 |
| Noncurrent loans to loans | 0.6473% | 2,496 |
| Net loans and leases to total assets | 70.6610% | 2,483 |
| Net loans and leases to deposits | 80.5336% | 2,892 |
| Net loans and leases to core deposits | 82.1115% | 3,230 |
| Total domestic deposits to total assets | 87.7411% | 1,511 |
| Equity capital to assets | 11.5990% | 2,128 |
| Core capital (leverage) ratio | 11.9836% | 1,722 |
| Tier 1 risk-based capital ratio | 17.1314% | 2,056 |
| Total risk-based capital ratio | 18.1465% | 2,080 |
| Memoranda: | ||
| Average total assets | $207,300,330 | 2,838 |
| Average earning assets | $187,006,330 | 2,891 |
| Average equity | $24,292,670 | 2,725 |
| Average total loans | $147,175,670 | 2,704 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 1,063 |
| Cost of funding earning assets | 0.2663% | 4,607 |
| Net interest margin | 4.5438% | 562 |
| Noninterest income to average assets | 0.7559% | 1,601 |
| Noninterest expense to average assets | 3.7909% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8693% | 3,418 |
| Return on assets (ROA) | 0.8741% | 3,413 |
| Pretax return on assets | 1.0718% | 3,273 |
| Return on Equity (ROE) | 7.4205% | 3,624 |
| Retained earnings to average equity (ytd only) | 4.4589% | 3,412 |
| Net charge-offs to loans | 0.0985% | 1,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 15.2778% | 1,671 |
| Efficiency ratio | 77.4541% | 1,409 |
| Assets per employee ($millions) | 2.5785% | 5,374 |
| Cash dividends to net income (ytd only)* | 39.9113% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,865 |
| Loan loss allowance to noncurrent loans | 109.3633% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 2.3565% | 414 |
| Noncurrent loans to loans | 0.9284% | 1,961 |
| Net loans and leases to total assets | 68.9994% | 2,631 |
| Net loans and leases to deposits | 78.8275% | 2,933 |
| Net loans and leases to core deposits | 80.2795% | 3,302 |
| Total domestic deposits to total assets | 87.5322% | 1,883 |
| Equity capital to assets | 11.7586% | 1,943 |
| Core capital (leverage) ratio | 12.0990% | 1,589 |
| Tier 1 risk-based capital ratio | 17.4985% | 1,973 |
| Total risk-based capital ratio | 18.5370% | 1,990 |
| Memoranda: | ||
| Average total assets | $206,390,000 | 2,876 |
| Average earning assets | $186,274,000 | 2,927 |
| Average equity | $24,311,000 | 2,743 |
| Average total loans | $146,149,500 | 2,733 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 958 |
| Cost of funding earning assets | 0.2561% | 4,512 |
| Net interest margin | 4.5556% | 550 |
| Noninterest income to average assets | 0.7116% | 1,911 |
| Noninterest expense to average assets | 3.6187% | 879 |
| Loan and lease loss provision to assets | 0.0985% | 2,256 |
| Net operating income to assets | 0.8314% | 3,026 |
| Return on assets (ROA) | 0.8333% | 3,052 |
| Pretax return on assets | 1.1056% | 3,164 |
| Return on Equity (ROE) | 7.0848% | 3,226 |
| Retained earnings to average equity (ytd only) | 4.1537% | 2,679 |
| Net charge-offs to loans | 0.0909% | 2,178 |
| Credit loss provision to net charge-offs | 155.0388% | 1,729 |
| Earnings coverage of net charge-offs (x) | 18.9147% | 2,053 |
| Efficiency ratio | 73.6310% | 1,959 |
| Assets per employee ($millions) | 2.5493% | 5,440 |
| Cash dividends to net income (ytd only)* | 41.3712% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,894 |
| Loan loss allowance to noncurrent loans | 39.5140% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 3.2766% | 227 |
| Noncurrent loans to loans | 2.5494% | 516 |
| Net loans and leases to total assets | 71.1918% | 2,354 |
| Net loans and leases to deposits | 81.3265% | 2,781 |
| Net loans and leases to core deposits | 83.0536% | 3,148 |
| Total domestic deposits to total assets | 87.5383% | 1,744 |
| Equity capital to assets | 11.7997% | 1,979 |
| Core capital (leverage) ratio | 12.0234% | 1,592 |
| Tier 1 risk-based capital ratio | 17.0820% | 2,063 |
| Total risk-based capital ratio | 18.1264% | 2,077 |
| Memoranda: | ||
| Average total assets | $203,057,000 | 2,899 |
| Average earning assets | $183,138,600 | 2,931 |
| Average equity | $23,882,200 | 2,773 |
| Average total loans | $141,932,600 | 2,751 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 1,122 |
| Cost of funding earning assets | 0.2546% | 4,525 |
| Net interest margin | 4.4502% | 665 |
| Noninterest income to average assets | 0.7214% | 1,903 |
| Noninterest expense to average assets | 3.6103% | 860 |
| Loan and lease loss provision to assets | 0.0396% | 3,316 |
| Net operating income to assets | 0.8617% | 3,220 |
| Return on assets (ROA) | 0.8665% | 3,242 |
| Pretax return on assets | 1.0893% | 3,344 |
| Return on Equity (ROE) | 7.3732% | 3,460 |
| Retained earnings to average equity (ytd only) | 3.4453% | 3,878 |
| Net charge-offs to loans | 0.1226% | 1,566 |
| Credit loss provision to net charge-offs | 46.5116% | 2,950 |
| Earnings coverage of net charge-offs (x) | 13.2012% | 2,366 |
| Efficiency ratio | 74.8119% | 1,773 |
| Assets per employee ($millions) | 2.5365% | 5,512 |
| Cash dividends to net income (ytd only)* | 53.2723% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 4,402 |
| Loan loss allowance to noncurrent loans | 30.1690% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 3.6828% | 197 |
| Noncurrent loans to loans | 3.1027% | 394 |
| Net loans and leases to total assets | 70.7736% | 2,444 |
| Net loans and leases to deposits | 81.1933% | 2,854 |
| Net loans and leases to core deposits | 82.6397% | 3,236 |
| Total domestic deposits to total assets | 87.1668% | 1,789 |
| Equity capital to assets | 11.8959% | 2,036 |
| Core capital (leverage) ratio | 11.8761% | 1,768 |
| Tier 1 risk-based capital ratio | 17.1336% | 2,121 |
| Total risk-based capital ratio | 18.1001% | 2,159 |
| Memoranda: | ||
| Average total assets | $202,197,000 | 2,933 |
| Average earning assets | $182,277,750 | 2,967 |
| Average equity | $23,761,250 | 2,804 |
| Average total loans | $140,289,500 | 2,796 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 1,196 |
| Cost of funding earning assets | 0.2563% | 4,488 |
| Net interest margin | 4.3741% | 735 |
| Noninterest income to average assets | 0.6893% | 2,040 |
| Noninterest expense to average assets | 3.6463% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7803% | 3,485 |
| Return on assets (ROA) | 0.7873% | 3,510 |
| Pretax return on assets | 0.9903% | 3,604 |
| Return on Equity (ROE) | 6.7272% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.7272% | 1,724 |
| Net charge-offs to loans | 0.2162% | 947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.6067% | 2,685 |
| Efficiency ratio | 77.2951% | 1,550 |
| Assets per employee ($millions) | 2.4772% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 4,645 |
| Loan loss allowance to noncurrent loans | 30.8194% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 3.5825% | 221 |
| Noncurrent loans to loans | 2.9158% | 453 |
| Net loans and leases to total assets | 69.2209% | 2,631 |
| Net loans and leases to deposits | 79.3359% | 2,991 |
| Net loans and leases to core deposits | 80.9999% | 3,346 |
| Total domestic deposits to total assets | 87.2504% | 1,833 |
| Equity capital to assets | 11.9836% | 1,940 |
| Core capital (leverage) ratio | 12.1433% | 1,559 |
| Tier 1 risk-based capital ratio | 17.5643% | 1,984 |
| Total risk-based capital ratio | 18.4885% | 2,032 |
| Memoranda: | ||
| Average total assets | $201,956,330 | 2,946 |
| Average earning assets | $181,841,330 | 2,982 |
| Average equity | $23,635,330 | 2,816 |
| Average total loans | $138,729,330 | 2,821 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 1,112 |
| Cost of funding earning assets | 0.2584% | 4,470 |
| Net interest margin | 4.3531% | 700 |
| Noninterest income to average assets | 0.7012% | 1,965 |
| Noninterest expense to average assets | 3.7046% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7318% | 3,549 |
| Return on assets (ROA) | 0.7350% | 3,586 |
| Pretax return on assets | 0.9157% | 3,708 |
| Return on Equity (ROE) | 6.3568% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.3568% | 2,157 |
| Net charge-offs to loans | 0.3616% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.7016% | 2,456 |
| Efficiency ratio | 78.7435% | 1,525 |
| Assets per employee ($millions) | 2.3829% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 4,570 |
| Loan loss allowance to noncurrent loans | 33.7309% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 3.5476% | 238 |
| Noncurrent loans to loans | 2.8074% | 515 |
| Net loans and leases to total assets | 67.9873% | 2,685 |
| Net loans and leases to deposits | 77.7550% | 3,003 |
| Net loans and leases to core deposits | 78.7991% | 3,412 |
| Total domestic deposits to total assets | 87.4378% | 2,022 |
| Equity capital to assets | 11.7708% | 1,987 |
| Core capital (leverage) ratio | 11.9463% | 1,666 |
| Tier 1 risk-based capital ratio | 17.5442% | 2,023 |
| Total risk-based capital ratio | 18.5032% | 2,055 |
| Memoranda: | ||
| Average total assets | $201,370,500 | 2,980 |
| Average earning assets | $181,111,500 | 3,016 |
| Average equity | $23,282,000 | 2,859 |
| Average total loans | $137,153,000 | 2,861 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 1,331 |
| Cost of funding earning assets | 0.2959% | 4,109 |
| Net interest margin | 4.2821% | 958 |
| Noninterest income to average assets | 0.5055% | 3,200 |
| Noninterest expense to average assets | 3.5622% | 1,062 |
| Loan and lease loss provision to assets | 0.0490% | 3,416 |
| Net operating income to assets | 0.6912% | 3,824 |
| Return on assets (ROA) | 0.7068% | 3,864 |
| Pretax return on assets | 0.7744% | 4,256 |
| Return on Equity (ROE) | 6.3174% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.3174% | 1,557 |
| Net charge-offs to loans | 0.0425% | 3,187 |
| Credit loss provision to net charge-offs | 172.4138% | 1,613 |
| Earnings coverage of net charge-offs (x) | 28.3793% | 1,471 |
| Efficiency ratio | 79.9619% | 1,427 |
| Assets per employee ($millions) | 2.5322% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 4,069 |
| Loan loss allowance to noncurrent loans | 42.6264% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 3.2639% | 276 |
| Noncurrent loans to loans | 2.4416% | 651 |
| Net loans and leases to total assets | 66.8852% | 2,947 |
| Net loans and leases to deposits | 76.0967% | 3,306 |
| Net loans and leases to core deposits | 77.5665% | 3,600 |
| Total domestic deposits to total assets | 87.8950% | 1,685 |
| Equity capital to assets | 11.3552% | 2,288 |
| Core capital (leverage) ratio | 11.5651% | 1,881 |
| Tier 1 risk-based capital ratio | 17.1993% | 2,089 |
| Total risk-based capital ratio | 18.2490% | 2,112 |
| Memoranda: | ||
| Average total assets | $204,145,800 | 2,909 |
| Average earning assets | $184,162,400 | 2,967 |
| Average equity | $22,841,800 | 2,904 |
| Average total loans | $136,481,200 | 2,823 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 1,519 |
| Cost of funding earning assets | 0.3018% | 4,076 |
| Net interest margin | 4.2040% | 1,110 |
| Noninterest income to average assets | 0.5065% | 3,202 |
| Noninterest expense to average assets | 3.5272% | 1,102 |
| Loan and lease loss provision to assets | -0.1467% | 5,837 |
| Net operating income to assets | 0.7370% | 3,659 |
| Return on assets (ROA) | 0.7516% | 3,729 |
| Pretax return on assets | 0.9400% | 3,847 |
| Return on Equity (ROE) | 6.7421% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.7421% | 1,759 |
| Net charge-offs to loans | 0.0372% | 2,885 |
| Credit loss provision to net charge-offs | -592.1053% | 5,110 |
| Earnings coverage of net charge-offs (x) | 31.2866% | 1,446 |
| Efficiency ratio | 80.3939% | 1,392 |
| Assets per employee ($millions) | 2.4579% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 5,148 |
| Loan loss allowance to noncurrent loans | 24.4488% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 3.8234% | 232 |
| Noncurrent loans to loans | 3.3314% | 410 |
| Net loans and leases to total assets | 67.6706% | 2,842 |
| Net loans and leases to deposits | 77.3581% | 3,257 |
| Net loans and leases to core deposits | 78.7517% | 3,583 |
| Total domestic deposits to total assets | 87.4771% | 1,678 |
| Equity capital to assets | 11.6671% | 2,384 |
| Core capital (leverage) ratio | 11.3964% | 2,116 |
| Tier 1 risk-based capital ratio | 16.9763% | 2,233 |
| Total risk-based capital ratio | 17.8011% | 2,349 |
| Memoranda: | ||
| Average total assets | $204,538,000 | 2,919 |
| Average earning assets | $184,678,500 | 2,975 |
| Average equity | $22,801,500 | 2,936 |
| Average total loans | $136,371,750 | 2,829 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 1,497 |
| Cost of funding earning assets | 0.3085% | 4,031 |
| Net interest margin | 4.1960% | 1,125 |
| Noninterest income to average assets | 0.4291% | 3,667 |
| Noninterest expense to average assets | 3.4749% | 1,210 |
| Loan and lease loss provision to assets | -0.2189% | 5,942 |
| Net operating income to assets | 0.7606% | 3,500 |
| Return on assets (ROA) | 0.7775% | 3,561 |
| Pretax return on assets | 0.9799% | 3,660 |
| Return on Equity (ROE) | 7.0822% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.0822% | 1,564 |
| Net charge-offs to loans | -0.0309% | 5,138 |
| Credit loss provision to net charge-offs | 1,071.4286% | 353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8358% | 1,400 |
| Assets per employee ($millions) | 2.5719% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 5,129 |
| Loan loss allowance to noncurrent loans | 26.2818% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 3.7818% | 261 |
| Noncurrent loans to loans | 3.2340% | 437 |
| Net loans and leases to total assets | 67.6902% | 2,827 |
| Net loans and leases to deposits | 77.2330% | 3,240 |
| Net loans and leases to core deposits | 79.1682% | 3,535 |
| Total domestic deposits to total assets | 87.6441% | 1,604 |
| Equity capital to assets | 11.3823% | 2,663 |
| Core capital (leverage) ratio | 11.0646% | 2,371 |
| Tier 1 risk-based capital ratio | 16.5347% | 2,410 |
| Total risk-based capital ratio | 17.3941% | 2,518 |
| Memoranda: | ||
| Average total assets | $205,534,000 | 2,926 |
| Average earning assets | $185,415,330 | 2,983 |
| Average equity | $22,563,670 | 2,967 |
| Average total loans | $135,992,330 | 2,847 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4888% | 1,539 |
| Cost of funding earning assets | 0.3131% | 4,027 |
| Net interest margin | 4.1757% | 1,155 |
| Noninterest income to average assets | 0.5999% | 2,535 |
| Noninterest expense to average assets | 3.4290% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7477% | 3,495 |
| Return on assets (ROA) | 0.7508% | 3,588 |
| Pretax return on assets | 0.9424% | 3,685 |
| Return on Equity (ROE) | 6.9653% | 3,475 |
| Retained earnings to average equity (ytd only) | 6.9653% | 1,902 |
| Net charge-offs to loans | 0.0386% | 2,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 37.3077% | 1,055 |
| Efficiency ratio | 76.9606% | 2,048 |
| Assets per employee ($millions) | 2.5684% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 4,503 |
| Loan loss allowance to noncurrent loans | 28.6760% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 4.1446% | 237 |
| Noncurrent loans to loans | 3.5492% | 381 |
| Net loans and leases to total assets | 64.8913% | 3,123 |
| Net loans and leases to deposits | 73.5182% | 3,500 |
| Net loans and leases to core deposits | 75.2228% | 3,758 |
| Total domestic deposits to total assets | 88.2656% | 1,494 |
| Equity capital to assets | 11.0014% | 2,937 |
| Core capital (leverage) ratio | 10.8518% | 2,568 |
| Tier 1 risk-based capital ratio | 16.6662% | 2,413 |
| Total risk-based capital ratio | 17.6927% | 2,454 |
| Memoranda: | ||
| Average total assets | $206,709,500 | 2,927 |
| Average earning assets | $186,507,000 | 2,976 |
| Average equity | $22,282,000 | 2,992 |
| Average total loans | $134,631,500 | 2,867 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 808 |
| Cost of funding earning assets | 0.3759% | 3,416 |
| Net interest margin | 4.5026% | 648 |
| Noninterest income to average assets | 0.5572% | 2,978 |
| Noninterest expense to average assets | 4.0664% | 617 |
| Loan and lease loss provision to assets | 0.0955% | 2,402 |
| Net operating income to assets | 0.3606% | 5,177 |
| Return on assets (ROA) | 0.3700% | 5,230 |
| Pretax return on assets | 0.3218% | 5,475 |
| Return on Equity (ROE) | 3.6469% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.6469% | 3,454 |
| Net charge-offs to loans | 0.3604% | 816 |
| Credit loss provision to net charge-offs | 41.1405% | 3,516 |
| Earnings coverage of net charge-offs (x) | 1.7576% | 4,035 |
| Efficiency ratio | 89.3959% | 727 |
| Assets per employee ($millions) | 2.6660% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 4,447 |
| Loan loss allowance to noncurrent loans | 28.0470% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 4.1419% | 248 |
| Noncurrent loans to loans | 3.6646% | 360 |
| Net loans and leases to total assets | 64.0431% | 3,272 |
| Net loans and leases to deposits | 72.1804% | 3,699 |
| Net loans and leases to core deposits | 73.9323% | 3,949 |
| Total domestic deposits to total assets | 88.7264% | 1,270 |
| Equity capital to assets | 10.5600% | 3,294 |
| Core capital (leverage) ratio | 10.4917% | 2,944 |
| Tier 1 risk-based capital ratio | 16.3183% | 2,558 |
| Total risk-based capital ratio | 17.3508% | 2,589 |
| Memoranda: | ||
| Average total assets | $211,610,400 | 2,827 |
| Average earning assets | $184,095,200 | 2,956 |
| Average equity | $21,470,200 | 3,030 |
| Average total loans | $136,252,400 | 2,777 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 790 |
| Cost of funding earning assets | 0.3908% | 3,313 |
| Net interest margin | 4.4958% | 659 |
| Noninterest income to average assets | 0.5251% | 3,201 |
| Noninterest expense to average assets | 3.9944% | 671 |
| Loan and lease loss provision to assets | 0.0640% | 2,906 |
| Net operating income to assets | 0.2547% | 5,567 |
| Return on assets (ROA) | 0.2641% | 5,627 |
| Pretax return on assets | 0.3545% | 5,549 |
| Return on Equity (ROE) | 2.6294% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.6294% | 4,538 |
| Net charge-offs to loans | 0.4712% | 530 |
| Credit loss provision to net charge-offs | 21.1180% | 3,356 |
| Earnings coverage of net charge-offs (x) | 1.3396% | 3,849 |
| Efficiency ratio | 89.2786% | 745 |
| Assets per employee ($millions) | 2.6032% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 4,986 |
| Loan loss allowance to noncurrent loans | 22.0194% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 6.9788% | 110 |
| Noncurrent loans to loans | 4.3074% | 269 |
| Net loans and leases to total assets | 65.5594% | 3,080 |
| Net loans and leases to deposits | 74.1417% | 3,534 |
| Net loans and leases to core deposits | 75.9639% | 3,810 |
| Total domestic deposits to total assets | 88.4245% | 1,322 |
| Equity capital to assets | 10.5500% | 3,555 |
| Core capital (leverage) ratio | 10.3491% | 3,196 |
| Tier 1 risk-based capital ratio | 15.9766% | 2,807 |
| Total risk-based capital ratio | 16.9362% | 2,894 |
| Memoranda: | ||
| Average total assets | $212,526,500 | 2,839 |
| Average earning assets | $183,190,000 | 2,993 |
| Average equity | $21,348,000 | 3,061 |
| Average total loans | $136,676,000 | 2,788 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 680 |
| Cost of funding earning assets | 0.4012% | 3,262 |
| Net interest margin | 4.5314% | 599 |
| Noninterest income to average assets | 0.4916% | 3,436 |
| Noninterest expense to average assets | 4.0332% | 651 |
| Loan and lease loss provision to assets | 0.0950% | 2,228 |
| Net operating income to assets | 0.1942% | 5,705 |
| Return on assets (ROA) | 0.2048% | 5,748 |
| Pretax return on assets | 0.2681% | 5,712 |
| Return on Equity (ROE) | 2.0723% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.0723% | 4,666 |
| Net charge-offs to loans | 0.6751% | 340 |
| Credit loss provision to net charge-offs | 22.0779% | 3,000 |
| Earnings coverage of net charge-offs (x) | 0.8117% | 3,617 |
| Efficiency ratio | 90.5460% | 709 |
| Assets per employee ($millions) | 2.4794% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 5,071 |
| Loan loss allowance to noncurrent loans | 21.8485% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 7.2109% | 118 |
| Noncurrent loans to loans | 4.3773% | 322 |
| Net loans and leases to total assets | 63.7212% | 3,301 |
| Net loans and leases to deposits | 71.3137% | 3,784 |
| Net loans and leases to core deposits | 72.9834% | 4,044 |
| Total domestic deposits to total assets | 89.3534% | 975 |
| Equity capital to assets | 9.9507% | 4,091 |
| Core capital (leverage) ratio | 9.9536% | 3,678 |
| Tier 1 risk-based capital ratio | 15.4423% | 3,131 |
| Total risk-based capital ratio | 16.3944% | 3,216 |
| Memoranda: | ||
| Average total assets | $214,818,670 | 2,839 |
| Average earning assets | $184,446,330 | 2,997 |
| Average equity | $21,232,000 | 3,088 |
| Average total loans | $136,863,330 | 2,794 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 690 |
| Cost of funding earning assets | 0.4096% | 3,197 |
| Net interest margin | 4.4969% | 606 |
| Noninterest income to average assets | 0.5195% | 3,154 |
| Noninterest expense to average assets | 4.0295% | 664 |
| Loan and lease loss provision to assets | 0.1002% | 2,021 |
| Net operating income to assets | 0.1868% | 5,710 |
| Return on assets (ROA) | 0.1948% | 5,780 |
| Pretax return on assets | 0.2709% | 5,711 |
| Return on Equity (ROE) | 1.9775% | 5,695 |
| Retained earnings to average equity (ytd only) | 1.9775% | 4,685 |
| Net charge-offs to loans | 0.6788% | 358 |
| Credit loss provision to net charge-offs | 23.2759% | 2,332 |
| Earnings coverage of net charge-offs (x) | 0.8362% | 3,003 |
| Efficiency ratio | 90.3212% | 828 |
| Assets per employee ($millions) | 2.5218% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 4,574 |
| Loan loss allowance to noncurrent loans | 24.1435% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 8.0014% | 100 |
| Noncurrent loans to loans | 4.5081% | 347 |
| Net loans and leases to total assets | 63.3405% | 3,185 |
| Net loans and leases to deposits | 70.9676% | 3,644 |
| Net loans and leases to core deposits | 72.7207% | 3,897 |
| Total domestic deposits to total assets | 89.2527% | 1,113 |
| Equity capital to assets | 9.9986% | 4,149 |
| Core capital (leverage) ratio | 9.9297% | 3,699 |
| Tier 1 risk-based capital ratio | 15.0950% | 3,384 |
| Total risk-based capital ratio | 16.1607% | 3,415 |
| Memoranda: | ||
| Average total assets | $215,612,000 | 2,848 |
| Average earning assets | $185,548,500 | 2,991 |
| Average equity | $21,239,000 | 3,111 |
| Average total loans | $136,702,000 | 2,793 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3246% | 432 |
| Cost of funding earning assets | 0.5029% | 2,651 |
| Net interest margin | 4.8217% | 419 |
| Noninterest income to average assets | 0.5140% | 3,393 |
| Noninterest expense to average assets | 3.9932% | 756 |
| Loan and lease loss provision to assets | 0.2712% | 803 |
| Net operating income to assets | 0.2747% | 5,586 |
| Return on assets (ROA) | 0.2767% | 5,648 |
| Pretax return on assets | 0.3745% | 5,551 |
| Return on Equity (ROE) | 2.9901% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.9901% | 4,110 |
| Net charge-offs to loans | 0.8572% | 391 |
| Credit loss provision to net charge-offs | 49.4561% | 3,493 |
| Earnings coverage of net charge-offs (x) | 1.1724% | 4,483 |
| Efficiency ratio | 84.7372% | 1,317 |
| Assets per employee ($millions) | 2.4928% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 3,848 |
| Loan loss allowance to noncurrent loans | 21.3656% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 8.4335% | 108 |
| Noncurrent loans to loans | 5.7449% | 212 |
| Net loans and leases to total assets | 62.0031% | 3,501 |
| Net loans and leases to deposits | 69.1359% | 4,016 |
| Net loans and leases to core deposits | 71.2353% | 4,196 |
| Total domestic deposits to total assets | 89.6829% | 880 |
| Equity capital to assets | 9.7043% | 4,465 |
| Core capital (leverage) ratio | 9.5964% | 4,107 |
| Tier 1 risk-based capital ratio | 15.1889% | 3,384 |
| Total risk-based capital ratio | 16.4183% | 3,349 |
| Memoranda: | ||
| Average total assets | $217,919,400 | 2,803 |
| Average earning assets | $186,303,800 | 2,954 |
| Average equity | $20,166,400 | 3,143 |
| Average total loans | $139,406,800 | 2,720 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4059% | 375 |
| Cost of funding earning assets | 0.5225% | 2,545 |
| Net interest margin | 4.8834% | 354 |
| Noninterest income to average assets | 0.5109% | 3,476 |
| Noninterest expense to average assets | 4.1231% | 665 |
| Loan and lease loss provision to assets | 0.2237% | 1,018 |
| Net operating income to assets | 0.2605% | 5,711 |
| Return on assets (ROA) | 0.2634% | 5,767 |
| Pretax return on assets | 0.3318% | 5,713 |
| Return on Equity (ROE) | 2.8810% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.8810% | 4,550 |
| Net charge-offs to loans | 0.9927% | 313 |
| Credit loss provision to net charge-offs | 35.0575% | 3,374 |
| Earnings coverage of net charge-offs (x) | 0.8649% | 4,295 |
| Efficiency ratio | 86.8235% | 1,108 |
| Assets per employee ($millions) | 2.4907% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 4,484 |
| Loan loss allowance to noncurrent loans | 20.8480% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 8.6218% | 119 |
| Noncurrent loans to loans | 5.5300% | 282 |
| Net loans and leases to total assets | 63.2271% | 3,304 |
| Net loans and leases to deposits | 70.5168% | 3,859 |
| Net loans and leases to core deposits | 73.0732% | 4,042 |
| Total domestic deposits to total assets | 89.6624% | 900 |
| Equity capital to assets | 9.5295% | 4,760 |
| Core capital (leverage) ratio | 9.5007% | 4,371 |
| Tier 1 risk-based capital ratio | 14.8933% | 3,656 |
| Total risk-based capital ratio | 16.0519% | 3,639 |
| Memoranda: | ||
| Average total assets | $218,181,000 | 2,826 |
| Average earning assets | $186,040,000 | 2,983 |
| Average equity | $19,946,500 | 3,177 |
| Average total loans | $140,223,750 | 2,728 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4669% | 325 |
| Cost of funding earning assets | 0.5404% | 2,431 |
| Net interest margin | 4.9266% | 327 |
| Noninterest income to average assets | 0.5414% | 3,198 |
| Noninterest expense to average assets | 4.1852% | 610 |
| Loan and lease loss provision to assets | 0.2753% | 746 |
| Net operating income to assets | 0.1580% | 5,938 |
| Return on assets (ROA) | 0.1610% | 5,967 |
| Pretax return on assets | 0.2799% | 5,821 |
| Return on Equity (ROE) | 1.7857% | 5,890 |
| Retained earnings to average equity (ytd only) | 1.7857% | 4,997 |
| Net charge-offs to loans | 0.6337% | 610 |
| Credit loss provision to net charge-offs | 67.4888% | 2,513 |
| Earnings coverage of net charge-offs (x) | 1.3498% | 3,836 |
| Efficiency ratio | 87.0220% | 1,181 |
| Assets per employee ($millions) | 2.5098% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 2,808 |
| Loan loss allowance to noncurrent loans | 36.4835% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 8.4644% | 126 |
| Noncurrent loans to loans | 4.1639% | 561 |
| Net loans and leases to total assets | 63.2683% | 3,200 |
| Net loans and leases to deposits | 70.2906% | 3,786 |
| Net loans and leases to core deposits | 72.8723% | 3,956 |
| Total domestic deposits to total assets | 90.0097% | 805 |
| Equity capital to assets | 9.2718% | 5,008 |
| Core capital (leverage) ratio | 9.3696% | 4,503 |
| Tier 1 risk-based capital ratio | 14.6325% | 3,848 |
| Total risk-based capital ratio | 15.8865% | 3,796 |
| Memoranda: | ||
| Average total assets | $218,676,330 | 2,827 |
| Average earning assets | $186,173,330 | 2,999 |
| Average equity | $19,712,000 | 3,202 |
| Average total loans | $140,762,330 | 2,717 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5086% | 290 |
| Cost of funding earning assets | 0.5640% | 2,303 |
| Net interest margin | 4.9446% | 302 |
| Noninterest income to average assets | 0.7421% | 1,982 |
| Noninterest expense to average assets | 4.2753% | 560 |
| Loan and lease loss provision to assets | 0.1371% | 1,769 |
| Net operating income to assets | 0.4089% | 5,084 |
| Return on assets (ROA) | 0.4131% | 5,136 |
| Pretax return on assets | 0.5337% | 5,067 |
| Return on Equity (ROE) | 4.6489% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.6489% | 3,326 |
| Net charge-offs to loans | 1.2709% | 264 |
| Credit loss provision to net charge-offs | 16.7411% | 2,537 |
| Earnings coverage of net charge-offs (x) | 0.8125% | 3,257 |
| Efficiency ratio | 85.2386% | 1,515 |
| Assets per employee ($millions) | 2.5642% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 3,770 |
| Loan loss allowance to noncurrent loans | 28.6553% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 9.4041% | 124 |
| Noncurrent loans to loans | 4.7618% | 482 |
| Net loans and leases to total assets | 63.1143% | 3,055 |
| Net loans and leases to deposits | 69.9200% | 3,611 |
| Net loans and leases to core deposits | 72.3843% | 3,834 |
| Total domestic deposits to total assets | 90.2664% | 930 |
| Equity capital to assets | 9.0366% | 5,077 |
| Core capital (leverage) ratio | 9.2915% | 4,586 |
| Tier 1 risk-based capital ratio | 14.2576% | 4,159 |
| Total risk-based capital ratio | 15.5087% | 4,106 |
| Memoranda: | ||
| Average total assets | $218,839,000 | 2,842 |
| Average earning assets | $185,820,000 | 3,024 |
| Average equity | $19,445,500 | 3,231 |
| Average total loans | $141,004,500 | 2,721 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6716% | 277 |
| Cost of funding earning assets | 0.7663% | 1,399 |
| Net interest margin | 4.9053% | 356 |
| Noninterest income to average assets | 0.7088% | 2,491 |
| Noninterest expense to average assets | 4.0321% | 844 |
| Loan and lease loss provision to assets | 0.3711% | 836 |
| Net operating income to assets | 0.2984% | 5,532 |
| Return on assets (ROA) | 0.3542% | 5,432 |
| Pretax return on assets | 0.4953% | 5,218 |
| Return on Equity (ROE) | 4.1651% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.7933% | 3,501 |
| Net charge-offs to loans | 0.8376% | 736 |
| Credit loss provision to net charge-offs | 68.8190% | 3,336 |
| Earnings coverage of net charge-offs (x) | 1.4630% | 4,566 |
| Efficiency ratio | 82.2942% | 1,839 |
| Assets per employee ($millions) | 2.5549% | 6,360 |
| Cash dividends to net income (ytd only)* | 8.9263% | 4,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 2,773 |
| Loan loss allowance to noncurrent loans | 49.4033% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 7.5910% | 212 |
| Noncurrent loans to loans | 3.2334% | 1,034 |
| Net loans and leases to total assets | 63.8387% | 3,066 |
| Net loans and leases to deposits | 70.4219% | 3,727 |
| Net loans and leases to core deposits | 72.9854% | 3,952 |
| Total domestic deposits to total assets | 90.6518% | 728 |
| Equity capital to assets | 8.7361% | 5,326 |
| Core capital (leverage) ratio | 9.0911% | 4,873 |
| Tier 1 risk-based capital ratio | 13.9734% | 4,314 |
| Total risk-based capital ratio | 15.2280% | 4,250 |
| Memoranda: | ||
| Average total assets | $218,246,400 | 2,828 |
| Average earning assets | $182,964,200 | 3,038 |
| Average equity | $18,559,000 | 3,332 |
| Average total loans | $140,522,000 | 2,686 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5825% | 327 |
| Cost of funding earning assets | 0.7978% | 1,338 |
| Net interest margin | 4.7847% | 442 |
| Noninterest income to average assets | 0.3555% | 4,849 |
| Noninterest expense to average assets | 3.8363% | 1,040 |
| Loan and lease loss provision to assets | 0.1897% | 1,932 |
| Net operating income to assets | 0.2500% | 5,779 |
| Return on assets (ROA) | 0.3286% | 5,628 |
| Pretax return on assets | 0.4296% | 5,555 |
| Return on Equity (ROE) | 3.8912% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.3912% | 4,273 |
| Net charge-offs to loans | 1.1075% | 509 |
| Credit loss provision to net charge-offs | 26.6552% | 3,957 |
| Earnings coverage of net charge-offs (x) | 0.7248% | 4,609 |
| Efficiency ratio | 86.6704% | 1,300 |
| Assets per employee ($millions) | 2.5294% | 6,455 |
| Cash dividends to net income (ytd only)* | 12.8495% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 4,520 |
| Loan loss allowance to noncurrent loans | 43.0529% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 7.5516% | 255 |
| Noncurrent loans to loans | 2.9605% | 1,373 |
| Net loans and leases to total assets | 63.7737% | 3,030 |
| Net loans and leases to deposits | 70.3969% | 3,729 |
| Net loans and leases to core deposits | 73.1270% | 3,953 |
| Total domestic deposits to total assets | 90.5916% | 707 |
| Equity capital to assets | 8.7179% | 5,498 |
| Core capital (leverage) ratio | 9.0375% | 5,068 |
| Tier 1 risk-based capital ratio | 13.7718% | 4,587 |
| Total risk-based capital ratio | 15.0229% | 4,542 |
| Memoranda: | ||
| Average total assets | $217,877,750 | 2,856 |
| Average earning assets | $181,992,250 | 3,077 |
| Average equity | $18,400,000 | 3,386 |
| Average total loans | $140,016,500 | 2,707 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 621 |
| Cost of funding earning assets | 0.8294% | 1,263 |
| Net interest margin | 4.3847% | 875 |
| Noninterest income to average assets | 0.2156% | 5,896 |
| Noninterest expense to average assets | 3.6451% | 1,343 |
| Loan and lease loss provision to assets | 0.1697% | 2,215 |
| Net operating income to assets | 0.0460% | 6,248 |
| Return on assets (ROA) | 0.1670% | 6,101 |
| Pretax return on assets | 0.2129% | 6,061 |
| Return on Equity (ROE) | 1.9987% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.2409% | 5,403 |
| Net charge-offs to loans | 1.3929% | 404 |
| Credit loss provision to net charge-offs | 18.9938% | 3,748 |
| Earnings coverage of net charge-offs (x) | 0.2546% | 4,463 |
| Efficiency ratio | 92.4662% | 863 |
| Assets per employee ($millions) | 2.4917% | 6,506 |
| Cash dividends to net income (ytd only)* | 37.9121% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 4,412 |
| Loan loss allowance to noncurrent loans | 35.4493% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 7.4222% | 307 |
| Noncurrent loans to loans | 3.7209% | 1,096 |
| Net loans and leases to total assets | 63.9839% | 2,916 |
| Net loans and leases to deposits | 70.5146% | 3,655 |
| Net loans and leases to core deposits | 72.9010% | 3,945 |
| Total domestic deposits to total assets | 90.7386% | 650 |
| Equity capital to assets | 8.6451% | 5,619 |
| Core capital (leverage) ratio | 8.8371% | 5,237 |
| Tier 1 risk-based capital ratio | 13.6038% | 4,709 |
| Total risk-based capital ratio | 14.8550% | 4,670 |
| Memoranda: | ||
| Average total assets | $217,993,670 | 2,869 |
| Average earning assets | $181,813,000 | 3,094 |
| Average equity | $18,212,000 | 3,443 |
| Average total loans | $139,849,330 | 2,722 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 1,692 |
| Cost of funding earning assets | 0.8697% | 1,146 |
| Net interest margin | 3.7752% | 2,544 |
| Noninterest income to average assets | 0.4721% | 3,977 |
| Noninterest expense to average assets | 3.5499% | 1,525 |
| Loan and lease loss provision to assets | 0.3385% | 988 |
| Net operating income to assets | -0.1975% | 6,517 |
| Return on assets (ROA) | -0.0439% | 6,449 |
| Pretax return on assets | -0.0604% | 6,452 |
| Return on Equity (ROE) | -0.5349% | 6,465 |
| Retained earnings to average equity (ytd only) | -2.0727% | 6,085 |
| Net charge-offs to loans | 2.3714% | 181 |
| Credit loss provision to net charge-offs | 22.3700% | 3,002 |
| Earnings coverage of net charge-offs (x) | 0.0447% | 3,813 |
| Efficiency ratio | 96.3581% | 713 |
| Assets per employee ($millions) | 2.4710% | 6,610 |
| Cash dividends to net income (ytd only)* | -287.5000% | 6,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,669 |
| Loan loss allowance to noncurrent loans | 33.7650% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 8.0373% | 310 |
| Noncurrent loans to loans | 3.8642% | 1,188 |
| Net loans and leases to total assets | 61.6768% | 3,128 |
| Net loans and leases to deposits | 67.6419% | 3,811 |
| Net loans and leases to core deposits | 69.9992% | 4,084 |
| Total domestic deposits to total assets | 91.1813% | 452 |
| Equity capital to assets | 8.1826% | 6,264 |
| Core capital (leverage) ratio | 7.9032% | 6,213 |
| Tier 1 risk-based capital ratio | 12.4724% | 5,596 |
| Total risk-based capital ratio | 13.7299% | 5,537 |
| Memoranda: | ||
| Average total assets | $218,600,000 | 2,885 |
| Average earning assets | $182,136,000 | 3,116 |
| Average equity | $17,947,500 | 3,531 |
| Average total loans | $139,494,500 | 2,734 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1647% | 1,181 |
| Cost of funding earning assets | 1.0999% | 905 |
| Net interest margin | 4.0649% | 2,135 |
| Noninterest income to average assets | 0.4247% | 4,417 |
| Noninterest expense to average assets | 3.5754% | 1,670 |
| Loan and lease loss provision to assets | 0.4405% | 1,438 |
| Net operating income to assets | -0.1599% | 6,347 |
| Return on assets (ROA) | 0.0670% | 6,208 |
| Pretax return on assets | 0.0335% | 6,242 |
| Return on Equity (ROE) | 0.8236% | 6,165 |
| Retained earnings to average equity (ytd only) | -1.2625% | 6,055 |
| Net charge-offs to loans | 0.6733% | 1,750 |
| Credit loss provision to net charge-offs | 100.7049% | 3,013 |
| Earnings coverage of net charge-offs (x) | 0.5650% | 5,205 |
| Efficiency ratio | 91.9096% | 927 |
| Assets per employee ($millions) | 2.3886% | 6,716 |
| Cash dividends to net income (ytd only)* | 253.2895% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 2,975 |
| Loan loss allowance to noncurrent loans | 24.7413% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 8.5733% | 305 |
| Noncurrent loans to loans | 6.8211% | 475 |
| Net loans and leases to total assets | 64.0204% | 2,893 |
| Net loans and leases to deposits | 70.2029% | 3,681 |
| Net loans and leases to core deposits | 72.4252% | 3,992 |
| Total domestic deposits to total assets | 91.1933% | 432 |
| Equity capital to assets | 8.2375% | 6,250 |
| Core capital (leverage) ratio | 7.7418% | 6,380 |
| Tier 1 risk-based capital ratio | 12.4363% | 5,519 |
| Total risk-based capital ratio | 13.6934% | 5,468 |
| Memoranda: | ||
| Average total assets | $226,996,400 | 2,765 |
| Average earning assets | $189,748,000 | 2,963 |
| Average equity | $18,455,400 | 3,412 |
| Average total loans | $147,478,200 | 2,613 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2109% | 1,170 |
| Cost of funding earning assets | 1.1425% | 889 |
| Net interest margin | 4.0684% | 2,212 |
| Noninterest income to average assets | 0.3694% | 4,878 |
| Noninterest expense to average assets | 3.5895% | 1,573 |
| Loan and lease loss provision to assets | 0.1894% | 3,221 |
| Net operating income to assets | -0.0087% | 6,296 |
| Return on assets (ROA) | 0.2581% | 5,952 |
| Pretax return on assets | 0.2704% | 6,008 |
| Return on Equity (ROE) | 3.1852% | 5,612 |
| Retained earnings to average equity (ytd only) | 3.1852% | 4,627 |
| Net charge-offs to loans | 0.6129% | 1,795 |
| Credit loss provision to net charge-offs | 47.5842% | 4,456 |
| Earnings coverage of net charge-offs (x) | 0.4495% | 5,095 |
| Efficiency ratio | 93.6292% | 800 |
| Assets per employee ($millions) | 2.4449% | 6,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 4,380 |
| Loan loss allowance to noncurrent loans | 21.3608% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 8.7596% | 318 |
| Noncurrent loans to loans | 6.5492% | 581 |
| Net loans and leases to total assets | 63.5467% | 3,106 |
| Net loans and leases to deposits | 69.7383% | 3,929 |
| Net loans and leases to core deposits | 72.1138% | 4,234 |
| Total domestic deposits to total assets | 91.1216% | 383 |
| Equity capital to assets | 8.2582% | 6,453 |
| Core capital (leverage) ratio | 7.8235% | 6,452 |
| Tier 1 risk-based capital ratio | 12.6010% | 5,568 |
| Total risk-based capital ratio | 13.8601% | 5,516 |
| Memoranda: | ||
| Average total assets | $228,807,500 | 2,765 |
| Average earning assets | $191,160,000 | 2,977 |
| Average equity | $18,543,750 | 3,425 |
| Average total loans | $148,572,500 | 2,624 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2750% | 1,101 |
| Cost of funding earning assets | 1.1735% | 920 |
| Net interest margin | 4.1015% | 2,089 |
| Noninterest income to average assets | 0.2713% | 5,635 |
| Noninterest expense to average assets | 3.5519% | 1,673 |
| Loan and lease loss provision to assets | 0.2181% | 2,893 |
| Net operating income to assets | -0.0628% | 6,395 |
| Return on assets (ROA) | 0.2809% | 5,872 |
| Pretax return on assets | 0.3088% | 5,949 |
| Return on Equity (ROE) | 3.4875% | 5,483 |
| Retained earnings to average equity (ytd only) | 3.4875% | 4,268 |
| Net charge-offs to loans | 0.4797% | 2,151 |
| Credit loss provision to net charge-offs | 69.8324% | 3,566 |
| Earnings coverage of net charge-offs (x) | 0.4777% | 4,837 |
| Efficiency ratio | 94.3201% | 790 |
| Assets per employee ($millions) | 2.4514% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 3,789 |
| Loan loss allowance to noncurrent loans | 18.6567% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 9.3321% | 306 |
| Noncurrent loans to loans | 8.3017% | 402 |
| Net loans and leases to total assets | 63.4466% | 3,155 |
| Net loans and leases to deposits | 70.4687% | 3,828 |
| Net loans and leases to core deposits | 72.9519% | 4,172 |
| Total domestic deposits to total assets | 90.0352% | 903 |
| Equity capital to assets | 8.0888% | 6,522 |
| Core capital (leverage) ratio | 7.7834% | 6,462 |
| Tier 1 risk-based capital ratio | 12.4926% | 5,568 |
| Total risk-based capital ratio | 13.7535% | 5,542 |
| Memoranda: | ||
| Average total assets | $229,285,670 | 2,767 |
| Average earning assets | $191,735,670 | 2,975 |
| Average equity | $18,466,000 | 3,431 |
| Average total loans | $149,250,670 | 2,629 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 1,658 |
| Cost of funding earning assets | 1.2057% | 958 |
| Net interest margin | 3.8667% | 3,069 |
| Noninterest income to average assets | 0.4442% | 4,331 |
| Noninterest expense to average assets | 3.5748% | 1,616 |
| Loan and lease loss provision to assets | 0.4372% | 1,429 |
| Net operating income to assets | -0.2883% | 6,700 |
| Return on assets (ROA) | 0.0804% | 6,394 |
| Pretax return on assets | 0.0962% | 6,388 |
| Return on Equity (ROE) | 1.0011% | 6,346 |
| Retained earnings to average equity (ytd only) | 1.0011% | 5,672 |
| Net charge-offs to loans | 0.5293% | 1,767 |
| Credit loss provision to net charge-offs | 126.2626% | 1,900 |
| Earnings coverage of net charge-offs (x) | 0.2727% | 4,224 |
| Efficiency ratio | 95.7579% | 732 |
| Assets per employee ($millions) | 2.5532% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 3,552 |
| Loan loss allowance to noncurrent loans | 15.8587% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 10.0249% | 297 |
| Noncurrent loans to loans | 10.3911% | 279 |
| Net loans and leases to total assets | 63.8948% | 2,868 |
| Net loans and leases to deposits | 70.9525% | 3,598 |
| Net loans and leases to core deposits | 73.5408% | 3,954 |
| Total domestic deposits to total assets | 90.0530% | 1,060 |
| Equity capital to assets | 8.0226% | 6,509 |
| Core capital (leverage) ratio | 7.6988% | 6,489 |
| Tier 1 risk-based capital ratio | 12.4933% | 5,607 |
| Total risk-based capital ratio | 13.7382% | 5,580 |
| Memoranda: | ||
| Average total assets | $228,713,500 | 2,784 |
| Average earning assets | $190,759,000 | 3,012 |
| Average equity | $18,379,500 | 3,441 |
| Average total loans | $149,626,000 | 2,638 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1062% | 363 |
| Cost of funding earning assets | 1.3766% | 1,136 |
| Net interest margin | 4.7296% | 706 |
| Noninterest income to average assets | 0.6010% | 3,156 |
| Noninterest expense to average assets | 3.8110% | 1,329 |
| Loan and lease loss provision to assets | 0.3995% | 2,595 |
| Net operating income to assets | 0.2489% | 5,428 |
| Return on assets (ROA) | 0.3600% | 5,196 |
| Pretax return on assets | 0.4452% | 5,148 |
| Return on Equity (ROE) | 4.5348% | 4,609 |
| Retained earnings to average equity (ytd only) | 3.0027% | 4,087 |
| Net charge-offs to loans | 0.8440% | 2,048 |
| Credit loss provision to net charge-offs | 71.0339% | 4,812 |
| Earnings coverage of net charge-offs (x) | 1.2581% | 4,840 |
| Efficiency ratio | 82.9568% | 1,888 |
| Assets per employee ($millions) | 2.5868% | 6,740 |
| Cash dividends to net income (ytd only)* | 33.7855% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 3,568 |
| Loan loss allowance to noncurrent loans | 13.0122% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 11.5204% | 242 |
| Noncurrent loans to loans | 12.3345% | 202 |
| Net loans and leases to total assets | 64.8230% | 3,019 |
| Net loans and leases to deposits | 71.9591% | 3,801 |
| Net loans and leases to core deposits | 74.4166% | 4,185 |
| Total domestic deposits to total assets | 90.0830% | 950 |
| Equity capital to assets | 8.0496% | 6,538 |
| Core capital (leverage) ratio | 7.6709% | 6,556 |
| Tier 1 risk-based capital ratio | 11.8302% | 5,942 |
| Total risk-based capital ratio | 13.0912% | 5,918 |
| Memoranda: | ||
| Average total assets | $225,294,200 | 2,780 |
| Average earning assets | $186,613,600 | 3,009 |
| Average equity | $17,884,000 | 3,442 |
| Average total loans | $150,114,000 | 2,642 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3008% | 266 |
| Cost of funding earning assets | 1.3991% | 1,233 |
| Net interest margin | 4.9017% | 509 |
| Noninterest income to average assets | 0.4741% | 4,094 |
| Noninterest expense to average assets | 3.7007% | 1,496 |
| Loan and lease loss provision to assets | 0.4598% | 2,159 |
| Net operating income to assets | 0.2847% | 5,448 |
| Return on assets (ROA) | 0.3750% | 5,289 |
| Pretax return on assets | 0.4806% | 5,221 |
| Return on Equity (ROE) | 4.7409% | 4,645 |
| Retained earnings to average equity (ytd only) | 3.2931% | 4,374 |
| Net charge-offs to loans | 0.4173% | 3,053 |
| Credit loss provision to net charge-offs | 164.8936% | 1,847 |
| Earnings coverage of net charge-offs (x) | 2.9575% | 3,665 |
| Efficiency ratio | 80.3855% | 2,197 |
| Assets per employee ($millions) | 2.6662% | 6,702 |
| Cash dividends to net income (ytd only)* | 30.5382% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 2,185 |
| Loan loss allowance to noncurrent loans | 18.0391% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 10.2564% | 344 |
| Noncurrent loans to loans | 11.4065% | 266 |
| Net loans and leases to total assets | 63.9388% | 3,318 |
| Net loans and leases to deposits | 71.4761% | 4,070 |
| Net loans and leases to core deposits | 73.9139% | 4,457 |
| Total domestic deposits to total assets | 89.4549% | 1,166 |
| Equity capital to assets | 8.0178% | 6,685 |
| Core capital (leverage) ratio | 8.0588% | 6,332 |
| Tier 1 risk-based capital ratio | 12.0146% | 5,886 |
| Total risk-based capital ratio | 13.2634% | 5,875 |
| Memoranda: | ||
| Average total assets | $224,707,750 | 2,792 |
| Average earning assets | $185,727,500 | 3,028 |
| Average equity | $17,774,000 | 3,458 |
| Average total loans | $150,150,000 | 2,658 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6095% | 180 |
| Cost of funding earning assets | 1.4234% | 1,318 |
| Net interest margin | 5.1861% | 285 |
| Noninterest income to average assets | 0.5861% | 3,220 |
| Noninterest expense to average assets | 3.9564% | 1,113 |
| Loan and lease loss provision to assets | 0.4481% | 2,182 |
| Net operating income to assets | 0.3533% | 5,161 |
| Return on assets (ROA) | 0.4131% | 5,039 |
| Pretax return on assets | 0.5484% | 4,908 |
| Return on Equity (ROE) | 5.2474% | 4,338 |
| Retained earnings to average equity (ytd only) | 4.1547% | 3,553 |
| Net charge-offs to loans | 0.1770% | 4,103 |
| Credit loss provision to net charge-offs | 375.9398% | 803 |
| Earnings coverage of net charge-offs (x) | 7.6917% | 2,185 |
| Efficiency ratio | 79.9007% | 2,403 |
| Assets per employee ($millions) | 2.5137% | 6,899 |
| Cash dividends to net income (ytd only)* | 20.8243% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1018% | 2,119 |
| Loan loss allowance to noncurrent loans | 20.6222% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 10.3893% | 359 |
| Noncurrent loans to loans | 10.1918% | 374 |
| Net loans and leases to total assets | 65.4167% | 3,159 |
| Net loans and leases to deposits | 73.2081% | 3,917 |
| Net loans and leases to core deposits | 75.6316% | 4,366 |
| Total domestic deposits to total assets | 89.3573% | 1,326 |
| Equity capital to assets | 8.0891% | 6,606 |
| Core capital (leverage) ratio | 8.1839% | 6,058 |
| Tier 1 risk-based capital ratio | 12.5109% | 5,337 |
| Total risk-based capital ratio | 13.6968% | 5,378 |
| Memoranda: | ||
| Average total assets | $223,180,000 | 2,825 |
| Average earning assets | $184,492,670 | 3,065 |
| Average equity | $17,570,670 | 3,482 |
| Average total loans | $150,304,670 | 2,679 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0510% | 103 |
| Cost of funding earning assets | 1.4747% | 1,271 |
| Net interest margin | 5.5763% | 149 |
| Noninterest income to average assets | 0.6711% | 2,722 |
| Noninterest expense to average assets | 4.0896% | 931 |
| Loan and lease loss provision to assets | 0.5383% | 1,611 |
| Net operating income to assets | 0.4137% | 4,884 |
| Return on assets (ROA) | 0.4289% | 4,901 |
| Pretax return on assets | 0.6604% | 4,454 |
| Return on Equity (ROE) | 5.5236% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.5236% | 2,896 |
| Net charge-offs to loans | 0.2442% | 3,108 |
| Credit loss provision to net charge-offs | 326.0870% | 998 |
| Earnings coverage of net charge-offs (x) | 7.1196% | 1,996 |
| Efficiency ratio | 76.4826% | 3,077 |
| Assets per employee ($millions) | 2.5156% | 6,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9946% | 2,443 |
| Loan loss allowance to noncurrent loans | 22.6053% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 9.3402% | 459 |
| Noncurrent loans to loans | 8.8235% | 518 |
| Net loans and leases to total assets | 65.4655% | 3,137 |
| Net loans and leases to deposits | 72.9392% | 3,931 |
| Net loans and leases to core deposits | 75.1462% | 4,405 |
| Total domestic deposits to total assets | 89.7535% | 1,321 |
| Equity capital to assets | 7.8355% | 6,649 |
| Core capital (leverage) ratio | 8.0036% | 6,255 |
| Tier 1 risk-based capital ratio | 12.6841% | 5,083 |
| Total risk-based capital ratio | 13.9216% | 5,071 |
| Memoranda: | ||
| Average total assets | $222,909,500 | 2,849 |
| Average earning assets | $183,633,000 | 3,092 |
| Average equity | $17,307,500 | 3,523 |
| Average total loans | $150,710,500 | 2,705 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 2,514 |
| Cost of funding earning assets | 1.4729% | 2,803 |
| Net interest margin | 3.9643% | 3,182 |
| Noninterest income to average assets | 3.7042% | 183 |
| Noninterest expense to average assets | 4.1083% | 1,012 |
| Loan and lease loss provision to assets | 1.2289% | 1,265 |
| Net operating income to assets | 1.1826% | 1,454 |
| Return on assets (ROA) | 1.2662% | 1,317 |
| Pretax return on assets | 1.9497% | 542 |
| Return on Equity (ROE) | 14.4963% | 794 |
| Retained earnings to average equity (ytd only) | 13.6214% | 180 |
| Net charge-offs to loans | 1.1646% | 1,915 |
| Credit loss provision to net charge-offs | 145.5078% | 2,536 |
| Earnings coverage of net charge-offs (x) | 3.6113% | 3,279 |
| Efficiency ratio | 56.9399% | 6,468 |
| Assets per employee ($millions) | 2.4936% | 7,019 |
| Cash dividends to net income (ytd only)* | 6.0356% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8266% | 2,773 |
| Loan loss allowance to noncurrent loans | 30.8943% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 6.6918% | 842 |
| Noncurrent loans to loans | 5.9124% | 1,063 |
| Net loans and leases to total assets | 67.1806% | 3,167 |
| Net loans and leases to deposits | 74.6188% | 4,092 |
| Net loans and leases to core deposits | 76.8773% | 4,600 |
| Total domestic deposits to total assets | 90.0319% | 1,080 |
| Equity capital to assets | 7.6926% | 6,754 |
| Core capital (leverage) ratio | 8.0627% | 6,088 |
| Tier 1 risk-based capital ratio | 12.6874% | 4,873 |
| Total risk-based capital ratio | 13.9462% | 4,842 |
| Memoranda: | ||
| Average total assets | $181,876,800 | 3,346 |
| Average earning assets | $158,464,200 | 3,475 |
| Average equity | $15,886,800 | 3,789 |
| Average total loans | $131,893,800 | 3,090 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6152% | 2,011 |
| Cost of funding earning assets | 1.5586% | 2,613 |
| Net interest margin | 4.0566% | 2,825 |
| Noninterest income to average assets | 0.7455% | 2,543 |
| Noninterest expense to average assets | 3.7913% | 1,383 |
| Loan and lease loss provision to assets | 0.3491% | 3,820 |
| Net operating income to assets | 0.1828% | 5,557 |
| Return on assets (ROA) | 0.3057% | 5,317 |
| Pretax return on assets | 0.3491% | 5,371 |
| Return on Equity (ROE) | 3.3695% | 5,067 |
| Retained earnings to average equity (ytd only) | 2.1808% | 4,864 |
| Net charge-offs to loans | 0.7827% | 2,477 |
| Credit loss provision to net charge-offs | 60.4027% | 5,681 |
| Earnings coverage of net charge-offs (x) | 0.9664% | 5,096 |
| Efficiency ratio | 86.3742% | 1,593 |
| Assets per employee ($millions) | 2.5760% | 6,980 |
| Cash dividends to net income (ytd only)* | 35.2794% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 4,404 |
| Loan loss allowance to noncurrent loans | 47.0790% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 4.4031% | 1,545 |
| Noncurrent loans to loans | 2.9951% | 2,663 |
| Net loans and leases to total assets | 73.2431% | 1,970 |
| Net loans and leases to deposits | 83.3239% | 2,831 |
| Net loans and leases to core deposits | 85.6890% | 3,702 |
| Total domestic deposits to total assets | 87.9017% | 2,015 |
| Equity capital to assets | 9.3015% | 5,137 |
| Core capital (leverage) ratio | 9.0647% | 4,578 |
| Tier 1 risk-based capital ratio | 11.9654% | 5,497 |
| Total risk-based capital ratio | 13.2173% | 5,459 |
| Memoranda: | ||
| Average total assets | $171,864,250 | 3,541 |
| Average earning assets | $152,701,500 | 3,643 |
| Average equity | $15,590,500 | 3,879 |
| Average total loans | $126,900,750 | 3,235 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5856% | 2,188 |
| Cost of funding earning assets | 1.5925% | 2,698 |
| Net interest margin | 3.9930% | 3,051 |
| Noninterest income to average assets | 0.7607% | 2,321 |
| Noninterest expense to average assets | 3.7419% | 1,470 |
| Loan and lease loss provision to assets | 0.2609% | 4,315 |
| Net operating income to assets | 0.2801% | 5,261 |
| Return on assets (ROA) | 0.3444% | 5,165 |
| Pretax return on assets | 0.3896% | 5,262 |
| Return on Equity (ROE) | 3.8283% | 4,863 |
| Retained earnings to average equity (ytd only) | 2.5909% | 4,495 |
| Net charge-offs to loans | 0.7695% | 2,320 |
| Credit loss provision to net charge-offs | 46.0123% | 5,505 |
| Earnings coverage of net charge-offs (x) | 1.0184% | 4,769 |
| Efficiency ratio | 85.8523% | 1,728 |
| Assets per employee ($millions) | 2.4036% | 7,225 |
| Cash dividends to net income (ytd only)* | 32.3232% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 4,247 |
| Loan loss allowance to noncurrent loans | 43.1326% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 3.9051% | 1,772 |
| Noncurrent loans to loans | 3.3336% | 2,396 |
| Net loans and leases to total assets | 71.7727% | 2,464 |
| Net loans and leases to deposits | 81.1339% | 3,412 |
| Net loans and leases to core deposits | 84.2681% | 4,104 |
| Total domestic deposits to total assets | 88.4621% | 1,751 |
| Equity capital to assets | 9.0734% | 5,333 |
| Core capital (leverage) ratio | 8.8826% | 4,785 |
| Tier 1 risk-based capital ratio | 12.0829% | 5,240 |
| Total risk-based capital ratio | 13.3356% | 5,205 |
| Memoranda: | ||
| Average total assets | $172,480,330 | 3,563 |
| Average earning assets | $153,717,670 | 3,641 |
| Average equity | $15,516,000 | 3,889 |
| Average total loans | $127,099,000 | 3,258 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5615% | 2,314 |
| Cost of funding earning assets | 1.6310% | 2,774 |
| Net interest margin | 3.9305% | 3,197 |
| Noninterest income to average assets | 0.8781% | 1,708 |
| Noninterest expense to average assets | 3.7679% | 1,374 |
| Loan and lease loss provision to assets | 0.2904% | 3,698 |
| Net operating income to assets | 0.3130% | 5,240 |
| Return on assets (ROA) | 0.3461% | 5,219 |
| Pretax return on assets | 0.3647% | 5,400 |
| Return on Equity (ROE) | 3.8644% | 4,951 |
| Retained earnings to average equity (ytd only) | 1.3746% | 5,258 |
| Net charge-offs to loans | 0.3291% | 3,089 |
| Credit loss provision to net charge-offs | 119.0476% | 2,927 |
| Earnings coverage of net charge-offs (x) | 2.5429% | 3,274 |
| Efficiency ratio | 85.0715% | 1,902 |
| Assets per employee ($millions) | 2.4039% | 7,327 |
| Cash dividends to net income (ytd only)* | 64.4295% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6539% | 3,235 |
| Loan loss allowance to noncurrent loans | 45.2407% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 4.1454% | 1,646 |
| Noncurrent loans to loans | 3.6557% | 2,176 |
| Net loans and leases to total assets | 72.0105% | 2,444 |
| Net loans and leases to deposits | 81.2286% | 3,420 |
| Net loans and leases to core deposits | 84.2069% | 4,173 |
| Total domestic deposits to total assets | 88.6517% | 1,703 |
| Equity capital to assets | 8.9425% | 5,363 |
| Core capital (leverage) ratio | 8.8759% | 4,761 |
| Tier 1 risk-based capital ratio | 11.8491% | 5,343 |
| Total risk-based capital ratio | 13.1036% | 5,286 |
| Memoranda: | ||
| Average total assets | $172,192,500 | 3,626 |
| Average earning assets | $153,772,500 | 3,697 |
| Average equity | $15,423,000 | 3,942 |
| Average total loans | $127,639,000 | 3,315 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8110% | 2,612 |
| Cost of funding earning assets | 2.4059% | 1,281 |
| Net interest margin | 3.4051% | 5,341 |
| Noninterest income to average assets | 0.7421% | 2,730 |
| Noninterest expense to average assets | 3.7961% | 1,704 |
| Loan and lease loss provision to assets | 1.0429% | 2,198 |
| Net operating income to assets | -0.5939% | 6,260 |
| Return on assets (ROA) | -0.4942% | 6,168 |
| Pretax return on assets | -0.8832% | 6,333 |
| Return on Equity (ROE) | -5.7478% | 6,281 |
| Retained earnings to average equity (ytd only) | -7.9122% | 6,342 |
| Net charge-offs to loans | 0.8484% | 2,707 |
| Credit loss provision to net charge-offs | 165.9213% | 2,623 |
| Earnings coverage of net charge-offs (x) | 0.0063% | 6,187 |
| Efficiency ratio | 99.8964% | 1,107 |
| Assets per employee ($millions) | 2.3792% | 7,379 |
| Cash dividends to net income (ytd only)* | -37.6564% | 7,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 3,212 |
| Loan loss allowance to noncurrent loans | 57.4550% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 3.4938% | 1,927 |
| Noncurrent loans to loans | 2.8123% | 2,748 |
| Net loans and leases to total assets | 73.8269% | 2,311 |
| Net loans and leases to deposits | 83.1172% | 3,432 |
| Net loans and leases to core deposits | 107.9770% | 3,104 |
| Total domestic deposits to total assets | 88.8227% | 1,557 |
| Equity capital to assets | 8.9713% | 5,189 |
| Core capital (leverage) ratio | 8.8490% | 4,688 |
| Tier 1 risk-based capital ratio | 11.9470% | 4,993 |
| Total risk-based capital ratio | 13.1970% | 4,943 |
| Memoranda: | ||
| Average total assets | $177,868,200 | 3,473 |
| Average earning assets | $159,730,800 | 3,527 |
| Average equity | $15,292,800 | 4,015 |
| Average total loans | $131,772,600 | 3,234 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0039% | 2,023 |
| Cost of funding earning assets | 2.5403% | 1,177 |
| Net interest margin | 3.4637% | 5,014 |
| Noninterest income to average assets | 0.6997% | 3,015 |
| Noninterest expense to average assets | 3.6922% | 1,839 |
| Loan and lease loss provision to assets | 0.5979% | 2,998 |
| Net operating income to assets | -0.4548% | 6,378 |
| Return on assets (ROA) | -0.2904% | 6,201 |
| Pretax return on assets | -0.3053% | 6,104 |
| Return on Equity (ROE) | -3.4131% | 6,289 |
| Retained earnings to average equity (ytd only) | -5.4470% | 6,309 |
| Net charge-offs to loans | 0.7623% | 2,452 |
| Credit loss provision to net charge-offs | 106.2005% | 4,794 |
| Earnings coverage of net charge-offs (x) | 0.2124% | 5,810 |
| Efficiency ratio | 96.8628% | 1,219 |
| Assets per employee ($millions) | 2.4690% | 7,280 |
| Cash dividends to net income (ytd only)* | -59.5910% | 7,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 6,009 |
| Loan loss allowance to noncurrent loans | 37.2280% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 3.0571% | 2,254 |
| Noncurrent loans to loans | 2.8194% | 2,686 |
| Net loans and leases to total assets | 72.4958% | 2,916 |
| Net loans and leases to deposits | 81.6311% | 4,089 |
| Net loans and leases to core deposits | 108.0360% | 3,469 |
| Total domestic deposits to total assets | 88.8090% | 1,287 |
| Equity capital to assets | 8.9001% | 5,635 |
| Core capital (leverage) ratio | 8.8694% | 4,865 |
| Tier 1 risk-based capital ratio | 12.2251% | 4,765 |
| Total risk-based capital ratio | 13.2776% | 4,887 |
| Memoranda: | ||
| Average total assets | $179,509,750 | 3,472 |
| Average earning assets | $161,290,000 | 3,524 |
| Average equity | $15,274,000 | 4,052 |
| Average total loans | $132,579,750 | 3,250 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0603% | 1,944 |
| Cost of funding earning assets | 2.6107% | 1,256 |
| Net interest margin | 3.4495% | 4,988 |
| Noninterest income to average assets | 0.7252% | 2,841 |
| Noninterest expense to average assets | 3.7207% | 1,792 |
| Loan and lease loss provision to assets | 0.4630% | 3,212 |
| Net operating income to assets | -0.3432% | 6,387 |
| Return on assets (ROA) | -0.1651% | 6,151 |
| Pretax return on assets | -0.1740% | 6,092 |
| Return on Equity (ROE) | -1.9709% | 6,220 |
| Retained earnings to average equity (ytd only) | -3.9818% | 6,136 |
| Net charge-offs to loans | 0.4550% | 3,006 |
| Credit loss provision to net charge-offs | 137.4172% | 3,397 |
| Earnings coverage of net charge-offs (x) | 0.3013% | 5,373 |
| Efficiency ratio | 97.3438% | 1,300 |
| Assets per employee ($millions) | 2.4284% | 7,380 |
| Cash dividends to net income (ytd only)* | -102.0270% | 8,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,647 |
| Loan loss allowance to noncurrent loans | 114.6919% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.6817% | 3,669 |
| Noncurrent loans to loans | 0.9537% | 5,316 |
| Net loans and leases to total assets | 72.0856% | 3,204 |
| Net loans and leases to deposits | 81.0779% | 4,378 |
| Net loans and leases to core deposits | 107.5310% | 3,660 |
| Total domestic deposits to total assets | 88.9091% | 1,306 |
| Equity capital to assets | 8.7788% | 5,629 |
| Core capital (leverage) ratio | 9.0725% | 4,510 |
| Tier 1 risk-based capital ratio | 12.2476% | 4,723 |
| Total risk-based capital ratio | 13.3311% | 4,768 |
| Memoranda: | ||
| Average total assets | $179,268,330 | 3,491 |
| Average earning assets | $160,950,330 | 3,542 |
| Average equity | $15,018,330 | 4,110 |
| Average total loans | $132,757,000 | 3,292 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2197% | 1,538 |
| Cost of funding earning assets | 2.7091% | 1,246 |
| Net interest margin | 3.5105% | 4,685 |
| Noninterest income to average assets | 0.9244% | 1,759 |
| Noninterest expense to average assets | 3.8822% | 1,329 |
| Loan and lease loss provision to assets | 0.3711% | 3,100 |
| Net operating income to assets | -0.1699% | 6,510 |
| Return on assets (ROA) | 0.0630% | 6,243 |
| Pretax return on assets | 0.0720% | 6,227 |
| Return on Equity (ROE) | 0.7707% | 6,201 |
| Retained earnings to average equity (ytd only) | -0.9908% | 5,885 |
| Net charge-offs to loans | 0.4007% | 2,496 |
| Credit loss provision to net charge-offs | 124.0602% | 3,200 |
| Earnings coverage of net charge-offs (x) | 0.5865% | 4,527 |
| Efficiency ratio | 95.6763% | 1,331 |
| Assets per employee ($millions) | 2.3989% | 7,462 |
| Cash dividends to net income (ytd only)* | 228.5714% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 5,887 |
| Loan loss allowance to noncurrent loans | 67.8377% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.9103% | 3,040 |
| Noncurrent loans to loans | 1.5280% | 3,992 |
| Net loans and leases to total assets | 72.7494% | 3,063 |
| Net loans and leases to deposits | 82.1039% | 4,265 |
| Net loans and leases to core deposits | 109.0950% | 3,552 |
| Total domestic deposits to total assets | 88.6065% | 1,420 |
| Equity capital to assets | 9.1463% | 5,156 |
| Core capital (leverage) ratio | 9.5359% | 3,937 |
| Tier 1 risk-based capital ratio | 12.5491% | 4,512 |
| Total risk-based capital ratio | 13.5802% | 4,598 |
| Memoranda: | ||
| Average total assets | $177,836,500 | 3,546 |
| Average earning assets | $158,722,000 | 3,599 |
| Average equity | $14,533,000 | 4,223 |
| Average total loans | $132,764,000 | 3,307 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0056% | 1,119 |
| Cost of funding earning assets | 3.1078% | 1,482 |
| Net interest margin | 3.8978% | 3,572 |
| Noninterest income to average assets | 0.1970% | 7,039 |
| Noninterest expense to average assets | 3.6466% | 2,049 |
| Loan and lease loss provision to assets | 0.1327% | 5,663 |
| Net operating income to assets | -0.0156% | 6,393 |
| Return on assets (ROA) | 0.0378% | 6,125 |
| Pretax return on assets | -0.0531% | 6,212 |
| Return on Equity (ROE) | 0.5150% | 6,067 |
| Retained earnings to average equity (ytd only) | -3.2363% | 6,159 |
| Net charge-offs to loans | 0.2851% | 3,499 |
| Credit loss provision to net charge-offs | 62.1693% | 6,207 |
| Earnings coverage of net charge-offs (x) | -0.0185% | 6,254 |
| Efficiency ratio | 99.1940% | 1,013 |
| Assets per employee ($millions) | 2.1969% | 7,715 |
| Cash dividends to net income (ytd only)* | 728.3582% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 6,001 |
| Loan loss allowance to noncurrent loans | 82.4000% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.2495% | 3,725 |
| Noncurrent loans to loans | 1.2194% | 4,076 |
| Net loans and leases to total assets | 75.0640% | 2,869 |
| Net loans and leases to deposits | 82.8772% | 4,593 |
| Net loans and leases to core deposits | 112.0208% | 3,562 |
| Total domestic deposits to total assets | 90.5726% | 462 |
| Equity capital to assets | 7.1748% | 7,642 |
| Core capital (leverage) ratio | 7.3741% | 7,332 |
| Tier 1 risk-based capital ratio | 9.6745% | 7,115 |
| Total risk-based capital ratio | 10.6848% | 7,294 |
| Memoranda: | ||
| Average total assets | $177,125,200 | 3,446 |
| Average earning assets | $156,574,800 | 3,541 |
| Average equity | $13,008,800 | 4,574 |
| Average total loans | $132,583,600 | 3,227 |